<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, INCOME, CHANGES IN STOCKHOLDERS'
EQUITY  AND NOTES TO  CONSOLIDATED  FINANCIAL  STATEMENTS  AT, OR FOR THE TWELVE
MONTHS ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                             699
<INT-BEARING-DEPOSITS>                           1,807
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,560
<INVESTMENTS-CARRYING>                          95,697
<INVESTMENTS-MARKET>                            96,448
<LOANS>                                        157,737
<ALLOWANCE>                                      1,860
<TOTAL-ASSETS>                                 297,054
<DEPOSITS>                                     170,982
<SHORT-TERM>                                     7,246
<LIABILITIES-OTHER>                              3,348
<LONG-TERM>                                     82,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      32,942
<TOTAL-LIABILITIES-AND-EQUITY>                 297,054
<INTEREST-LOAN>                                 13,191
<INTEREST-INVEST>                                8,882
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                22,146
<INTEREST-DEPOSIT>                               6,943
<INTEREST-EXPENSE>                              11,781
<INTEREST-INCOME-NET>                           10,365
<LOAN-LOSSES>                                    (120)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,422
<INCOME-PRETAX>                                  5,601
<INCOME-PRE-EXTRAORDINARY>                       5,601
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,492
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                     0.98
<YIELD-ACTUAL>                                    3.55
<LOANS-NON>                                        603
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,009
<CHARGE-OFFS>                                       39
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                1,860
<ALLOWANCE-DOMESTIC>                             1,041
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            819
        

</TABLE>