<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> JUN-30-1998 <PERIOD-START> JUL-01-1997 <PERIOD-END> JUN-30-1998 <CASH> 8,653 <INT-BEARING-DEPOSITS> 576 <FED-FUNDS-SOLD> 5,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,720 <INVESTMENTS-CARRYING> 45,424 <INVESTMENTS-MARKET> 45,547 <LOANS> 412,797 <ALLOWANCE> 3,533 <TOTAL-ASSETS> 535,716 <DEPOSITS> 449,541 <SHORT-TERM> 0 <LIABILITIES-OTHER> 12,996 <LONG-TERM> 19,897 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 53,282 <TOTAL-LIABILITIES-AND-EQUITY> 535,716 <INTEREST-LOAN> 33,573 <INTEREST-INVEST> 4,108 <INTEREST-OTHER> 742 <INTEREST-TOTAL> 38,423 <INTEREST-DEPOSIT> 18,816 <INTEREST-EXPENSE> 19,262 <INTEREST-INCOME-NET> 19,161 <LOAN-LOSSES> 1,400 <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 13,767 <INCOME-PRETAX> 6,737 <INCOME-PRE-EXTRAORDINARY> 4,087 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,087 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.97 <LOANS-NON> 3,663 <LOANS-PAST> 57 <LOANS-TROUBLED> 1,929 <LOANS-PROBLEM> 636 <ALLOWANCE-OPEN> 3,105 <CHARGE-OFFS> 1,217 <RECOVERIES> 245 <ALLOWANCE-CLOSE> 3,533 <ALLOWANCE-DOMESTIC> 2,591 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 942