<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               JUN-30-1999
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<LOAN-LOSSES>                                   17,000
<SECURITIES-GAINS>                                 220
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<ALLOWANCE-FOREIGN>                                  0
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