<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENT OF CONDITION AND THE STATEMENT OF OPERATION FOR THE PERIOD ENDED
MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                           7,745
<INT-BEARING-DEPOSITS>                             366
<FED-FUNDS-SOLD>                                14,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          13,000
<INVESTMENTS-MARKET>                            12,933
<LOANS>                                        368,613
<ALLOWANCE>                                      2,640
<TOTAL-ASSETS>                                 418,928
<DEPOSITS>                                     331,806
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                              9,042
<LONG-TERM>                                     37,905
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            27
<OTHER-SE>                                      30,148
<TOTAL-LIABILITIES-AND-EQUITY>                 418,928
<INTEREST-LOAN>                                 24,488
<INTEREST-INVEST>                                  990
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                25,478
<INTEREST-DEPOSIT>                              12,513
<INTEREST-EXPENSE>                              14,326
<INTEREST-INCOME-NET>                           11,152
<LOAN-LOSSES>                                      201
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,283
<INCOME-PRETAX>                                  5,921
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,896
<EPS-PRIMARY>                                    $1.49
<EPS-DILUTED>                                    $1.43
<YIELD-ACTUAL>                                   3.490
<LOANS-NON>                                      1,967
<LOANS-PAST>                                        60
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,682
<CHARGE-OFFS>                                      125
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                2,768
<ALLOWANCE-DOMESTIC>                             2,768
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,451