<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
STATEMENT OF CONDITION AND THE STATEMENT OF OPERATION AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           3,248
<INT-BEARING-DEPOSITS>                             349
<FED-FUNDS-SOLD>                                 2,875
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          10,996
<INVESTMENTS-MARKET>                            10,984
<LOANS>                                        365,500
<ALLOWANCE>                                      2,767
<TOTAL-ASSETS>                                 396,214
<DEPOSITS>                                     316,006
<SHORT-TERM>                                    18,500
<LIABILITIES-OTHER>                              9,795
<LONG-TERM>                                     23,075
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            27
<OTHER-SE>                                      28,811
<TOTAL-LIABILITIES-AND-EQUITY>                 396,214
<INTEREST-LOAN>                                 16,155
<INTEREST-INVEST>                                  610
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                16,765
<INTEREST-DEPOSIT>                               8,346
<INTEREST-EXPENSE>                               9,465
<INTEREST-INCOME-NET>                            7,300
<LOAN-LOSSES>                                       95
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,100
<INCOME-PRETAX>                                  3,888
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,563
<EPS-PRIMARY>                                     0.99
<EPS-DILUTED>                                     0.95
<YIELD-ACTUAL>                                   3.520
<LOANS-NON>                                      2,689
<LOANS-PAST>                                       417
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,682
<CHARGE-OFFS>                                       17
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                2,767
<ALLOWANCE-DOMESTIC>                             2,767
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,538