<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Statement of Condition and the Statement of Operation for the period ended
September 30, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           3,752
<INT-BEARING-DEPOSITS>                             351
<FED-FUNDS-SOLD>                                 3,550
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          25,317
<INVESTMENTS-MARKET>                            24,676
<LOANS>                                        417,747
<ALLOWANCE>                                      2,942
<TOTAL-ASSETS>                                 466,003
<DEPOSITS>                                     334,004
<SHORT-TERM>                                    40,000
<LIABILITIES-OTHER>                             10,888
<LONG-TERM>                                     41,024
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      40,043
<TOTAL-LIABILITIES-AND-EQUITY>                 466,003
<INTEREST-LOAN>                                  8,595
<INTEREST-INVEST>                                  517
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,112
<INTEREST-DEPOSIT>                               3,869
<INTEREST-EXPENSE>                               4,900
<INTEREST-INCOME-NET>                            4,212
<LOAN-LOSSES>                                      350
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,016
<INCOME-PRETAX>                                  2,327
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,552
<EPS-BASIC>                                       0.35
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                   3.470
<LOANS-NON>                                      4,945
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,630
<CHARGE-OFFS>                                       38
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,942
<ALLOWANCE-DOMESTIC>                             2,942
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,941