<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                          <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                           1,245
<INT-BEARING-DEPOSITS>                           6,457
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,966
<INVESTMENTS-CARRYING>                          11,954
<INVESTMENTS-MARKET>                            11,750
<LOANS>                                        249,191
<ALLOWANCE>                                      2,339
<TOTAL-ASSETS>                                 295,449
<DEPOSITS>                                     137,306
<SHORT-TERM>                                    90,228
<LIABILITIES-OTHER>                              4,712
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           624
<OTHER-SE>                                      62,579
<TOTAL-LIABILITIES-AND-EQUITY>                 295,449
<INTEREST-LOAN>                                 13,663
<INTEREST-INVEST>                                1,291
<INTEREST-OTHER>                                   408
<INTEREST-TOTAL>                                15,362
<INTEREST-DEPOSIT>                               4,536
<INTEREST-EXPENSE>                               7,865
<INTEREST-INCOME-NET>                            7,497
<LOAN-LOSSES>                                      135
<SECURITIES-GAINS>                                  47
<EXPENSE-OTHER>                                  4,432
<INCOME-PRETAX>                                  3,777
<INCOME-PRE-EXTRAORDINARY>                       3,777
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,023
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                      1,025
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,185
<CHARGE-OFFS>                                       13
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                2,339
<ALLOWANCE-DOMESTIC>                             2,339
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>