<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, 2000 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-30-2000
<PERIOD-START>                          JUL-01-1999
<PERIOD-END>                            JUN-30-2000
<CASH>                                          788
<INT-BEARING-DEPOSITS>                        2,127
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                  11,232
<INVESTMENTS-CARRYING>                      205,168
<INVESTMENTS-MARKET>                        196,440
<LOANS>                                     183,295
<ALLOWANCE>                                   1,973
<TOTAL-ASSETS>                              409,618
<DEPOSITS>                                  172,858
<SHORT-TERM>                                164,507
<LIABILITIES-OTHER>                           4,324
<LONG-TERM>                                  38,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                         37
<OTHER-SE>                                   26,874
<TOTAL-LIABILITIES-AND-EQUITY>              409,618
<INTEREST-LOAN>                              13,854
<INTEREST-INVEST>                            14,098
<INTEREST-OTHER>                                 36
<INTEREST-TOTAL>                             27,952
<INTEREST-DEPOSIT>                            6,375
<INTEREST-EXPENSE>                           16,933
<INTEREST-INCOME-NET>                        11,019
<LOAN-LOSSES>                                   150
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                               4,626
<INCOME-PRETAX>                               6,848
<INCOME-PRE-EXTRAORDINARY>                    6,848
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  4,379
<EPS-BASIC>                                    1.48
<EPS-DILUTED>                                  1.47
<YIELD-ACTUAL>                                 2.72
<LOANS-NON>                                   4,050
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                              1,842
<CHARGE-OFFS>                                    19
<RECOVERIES>                                      0
<ALLOWANCE-CLOSE>                             1,973
<ALLOWANCE-DOMESTIC>                          1,610
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                         363


</TABLE>