<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, 1999 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-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                             745
<INT-BEARING-DEPOSITS>                           1,148
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,675
<INVESTMENTS-CARRYING>                         160,066
<INVESTMENTS-MARKET>                           156,212
<LOANS>                                        170,327
<ALLOWANCE>                                      1,842
<TOTAL-ASSETS>                                 348,408
<DEPOSITS>                                     174,244
<SHORT-TERM>                                    38,471
<LIABILITIES-OTHER>                              3,506
<LONG-TERM>                                    103,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            37
<OTHER-SE>                                      27,901
<TOTAL-LIABILITIES-AND-EQUITY>                 348,408
<INTEREST-LOAN>                                 12,850
<INTEREST-INVEST>                               10,149
<INTEREST-OTHER>                                    77
<INTEREST-TOTAL>                                22,999
<INTEREST-DEPOSIT>                               6,537
<INTEREST-EXPENSE>                              12,739
<INTEREST-INCOME-NET>                           10,260
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  36
<EXPENSE-OTHER>                                  4,285
<INCOME-PRETAX>                                  6,465
<INCOME-PRE-EXTRAORDINARY>                       6,465
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,031
<EPS-BASIC>                                       1.18
<EPS-DILUTED>                                     1.17
<YIELD-ACTUAL>                                    3.00
<LOANS-NON>                                        547
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,860
<CHARGE-OFFS>                                       20
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                1,842
<ALLOWANCE-DOMESTIC>                             1,063
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            779


</TABLE>