<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                           1000

<S>                                         <C>
<PERIOD-TYPE>                               6-MOS
<FISCAL-YEAR-END>                                      JUN-30-2000
<PERIOD-START>                                         JUL-01-1999
<PERIOD-END>                                           DEC-31-1999
<CASH>                                                        6619
<INT-BEARING-DEPOSITS>                                        5578
<FED-FUNDS-SOLD>                                                 0
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                  72986
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                     424555
<ALLOWANCE>                                                   3711
<TOTAL-ASSETS>                                              523184
<DEPOSITS>                                                  407687
<SHORT-TERM>                                                 41000
<LIABILITIES-OTHER>                                           2172
<LONG-TERM>                                                   9784
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                        51
<OTHER-SE>                                                   58570
<TOTAL-LIABILITIES-AND-EQUITY>                              523184
<INTEREST-LOAN>                                              15830
<INTEREST-INVEST>                                             2403
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                             18233
<INTEREST-DEPOSIT>                                            8023
<INTEREST-EXPENSE>                                            8869
<INTEREST-INCOME-NET>                                         9364
<LOAN-LOSSES>                                                  491
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                               5669
<INCOME-PRETAX>                                               3740
<INCOME-PRE-EXTRAORDINARY>                                    2423
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  2423
<EPS-BASIC>                                                    .49
<EPS-DILUTED>                                                  .49
<YIELD-ACTUAL>                                                7.53
<LOANS-NON>                                                   1116
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                               1116
<ALLOWANCE-OPEN>                                              3138
<CHARGE-OFFS>                                                   64
<RECOVERIES>                                                   146
<ALLOWANCE-CLOSE>                                             3711
<ALLOWANCE-DOMESTIC>                                          3711
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                       1165



</TABLE>