<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENT OF CONDITION AND THE STATEMENT OF OPERATION FOR THE PERIOD ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           4,694
<INT-BEARING-DEPOSITS>                             448
<FED-FUNDS-SOLD>                                 7,050
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          45,295
<INVESTMENTS-MARKET>                            44,059
<LOANS>                                        451,263
<ALLOWANCE>                                      3,042
<TOTAL-ASSETS>                                 523,964
<DEPOSITS>                                     400,570
<SHORT-TERM>                                    44,000
<LIABILITIES-OTHER>                             12,543
<LONG-TERM>                                     26,008
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      40,799
<TOTAL-LIABILITIES-AND-EQUITY>                 523,964
<INTEREST-LOAN>                                 17,825
<INTEREST-INVEST>                                1,217
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                19,042
<INTEREST-DEPOSIT>                               8,223
<INTEREST-EXPENSE>                              10,336
<INTEREST-INCOME-NET>                            8,706
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,148
<INCOME-PRETAX>                                  4,780
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,186
<EPS-BASIC>                                       0.73
<EPS-DILUTED>                                     0.70
<YIELD-ACTUAL>                                   3.410
<LOANS-NON>                                      5,173
<LOANS-PAST>                                     1,878
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,630
<CHARGE-OFFS>                                       38
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,042
<ALLOWANCE-DOMESTIC>                             3,042
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,042