<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> JUN-30-2000 <PERIOD-START> JUL-01-1999 <PERIOD-END> JUN-30-2000 <CASH> 13,421 <INT-BEARING-DEPOSITS> 16,222 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 261,051 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 705,066 <ALLOWANCE> 6,150 <TOTAL-ASSETS> 1,051,577 <DEPOSITS> 586,748 <SHORT-TERM> 227,762 <LIABILITIES-OTHER> 14,092 <LONG-TERM> 75,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 112 <OTHER-SE> 147,863 <TOTAL-LIABILITIES-AND-EQUITY> 1,051,577 <INTEREST-LOAN> 41,221 <INTEREST-INVEST> 17,285 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 35,522 <INTEREST-DEPOSIT> 20,661 <INTEREST-EXPENSE> 32,657 <INTEREST-INCOME-NET> 25,849 <LOAN-LOSSES> 2,294 <SECURITIES-GAINS> 25 <EXPENSE-OTHER> 15,890 <INCOME-PRETAX> 10,112 <INCOME-PRE-EXTRAORDINARY> 10,112 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,814 <EPS-BASIC> .75 <EPS-DILUTED> .75 <YIELD-ACTUAL> 3.25 <LOANS-NON> 6,566 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,623 <CHARGE-OFFS> 720 <RECOVERIES> 131 <ALLOWANCE-CLOSE> 6,150 <ALLOWANCE-DOMESTIC> 6,150 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0