<TABLE> <S> <C>

<ARTICLE>                      9
       
<S>                             <C>             <C>               <C>
<PERIOD-TYPE>                   YEAR            YEAR              YEAR
<FISCAL-YEAR-END>               JUN-30-1998     JUN-30-1997       JUN-30-1996     
<PERIOD-START>                  JUL-01-1997     JUL-01-1996       JUL-01-1995
<PERIOD-END>                    JUN-30-1998     JUN-30-1997       JUN-30-1996                                 
<CASH>                            4,992,588       8,694,283         8,407,735
<INT-BEARING-DEPOSITS>            4,157,124         481,430         7,752,537
<FED-FUNDS-SOLD>                          0               0                 0
<TRADING-ASSETS>                          0               0                 0
<INVESTMENTS-HELD-FOR-SALE>       1,934,412       5,192,323         4,748,417
<INVESTMENTS-CARRYING>           24,639,484      17,484,427        11,993,796
<INVESTMENTS-MARKET>             24,935,000      17,800,023        12,338,186
<LOANS>                         355,306,342     327,791,495       302,363,297
<ALLOWANCE>                       1,853,000       1,715,000         1,613,000
<TOTAL-ASSETS>                  409,651,269     377,380,353       352,671,315
<DEPOSITS>                      306,702,649     281,342,174       264,945,744
<SHORT-TERM>                     43,248,855      41,514,194        34,979,079
<LIABILITIES-OTHER>               5,011,378       2,859,235         2,800,047
<LONG-TERM>                               0               0                 0
<PREFERRED-MANDATORY>                     0               0                 0 
<PREFERRED>                               0               0                 0
<COMMON>                          4,129,612       4,170,003         4,208,490
<OTHER-SE>                       50,558,775      47,494,747        45,737,955
<TOTAL-LIABILITIES-AND-EQUITY>  409,651,269     377,380,353       352,671,315
<INTEREST-LOAN>                  29,338,526      26,944,715        25,173,320
<INTEREST-INVEST>                 1,843,413       1,837,661         1,752,590
<INTEREST-OTHER>                          0               0                 0
<INTEREST-TOTAL>                 31,181,939      28,782,376        26,925,910
<INTEREST-DEPOSIT>               13,676,525      12,069,782        11,875,423
<INTEREST-EXPENSE>               16,058,609      14,375,507        13,675,617
<INTEREST-INCOME-NET>            15,123,330      14,406,869        13,250,293
<LOAN-LOSSES>                       265,000         200,000                 0
<SECURITIES-GAINS>                  375,356         316,927           754,409
<EXPENSE-OTHER>                   8,082,486       9,471,934         7,547,439
<INCOME-PRETAX>                   9,636,214       7,202,954         8,350,746
<INCOME-PRE-EXTRAORDINARY>        9,636,214       7,202,954         8,350,746
<EXTRAORDINARY>                           0               0                 0
<CHANGES>                                 0               0                 0
<NET-INCOME>                      6,334,217       4,774,062         5,486,624
<EPS-PRIMARY>                          1.53            1.14              1.30
<EPS-DILUTED>                          1.52            1.13              1.29
<YIELD-ACTUAL>                         8.37            8.30              8.32
<LOANS-NON>                               0               0                 0
<LOANS-PAST>                      2,053,000       1,540,000         1,252,000
<LOANS-TROUBLED>                          0               0                 0
<LOANS-PROBLEM>                   1,900,000       1,739,000         1,700,000
<ALLOWANCE-OPEN>                  1,715,000       1,613,000         1,662,000
<CHARGE-OFFS>                       148,000         131,000            74,000
<RECOVERIES>                         21,000          33,000            25,000
<ALLOWANCE-CLOSE>                 1,853,000       1,715,000         1,613,000
<ALLOWANCE-DOMESTIC>                      0               0                 0
<ALLOWANCE-FOREIGN>                       0               0                 0
<ALLOWANCE-UNALLOCATED>           1,853,000       1,715,000         1,613,000
        

</TABLE>