<TABLE> <S> <C>


<ARTICLE>                     9
<MULTIPLIER>                  1,000

<S>                             <C>                    <C>
<PERIOD-TYPE>                   3-MOS                  6-MOS
<FISCAL-YEAR-END>               JUN-30-2000            JUN-30-2000
<PERIOD-END>                    DEC-31-1999            DEC-31-1999
<CASH>                          6,562                  6,562
<INT-BEARING-DEPOSITS>          8,015                  8,015
<FED-FUNDS-SOLD>                0                      0
<TRADING-ASSETS>                6,891                  6,891
<INVESTMENTS-HELD-FOR-SALE>     94,590                 94,590
<INVESTMENTS-CARRYING>          35,922                 35,922
<INVESTMENTS-MARKET>            35,121                 35,121
<LOANS>                         312,637                312,637
<ALLOWANCE>                     3,821                  3,821
<TOTAL-ASSETS>                  481,232                481,232
<DEPOSITS>                      341,957                341,957
<SHORT-TERM>                    71,486                 71,486
<LIABILITIES-OTHER>             3,599                  3,599
<LONG-TERM>                     30,346                 30,346
<PREFERRED-MANDATORY>           0                      0
<PREFERRED>                     0                      0
<COMMON>                        3,898                  3,898
<OTHER-SE>                      29,856                 29,856
<TOTAL-LIABILITIES-AND-EQUITY>  481,232                481,232
<INTEREST-LOAN>                 6,033                  11,933
<INTEREST-INVEST>               2,352                  4,694
<INTEREST-OTHER>                0                      0
<INTEREST-TOTAL>                8,385                  16,627
<INTEREST-DEPOSIT>              3,304                  6,761
<INTEREST-EXPENSE>              4,680                  9,051
<INTEREST-INCOME-NET>           3,705                  7,576
<LOAN-LOSSES>                   105                    210
<SECURITIES-GAINS>              (133)                  (129)
<EXPENSE-OTHER>                 3,489                  6,811
<INCOME-PRETAX>                 1,387                  3,089
<INCOME-PRE-EXTRAORDINARY>      1,387                  3,089
<EXTRAORDINARY>                 0                      0
<CHANGES>                       0                      0
<NET-INCOME>                    1,155                  2,435
<EPS-BASIC>                     .30                    .63
<EPS-DILUTED>                   .29                    .62
<YIELD-ACTUAL>                  3.26                   0
<LOANS-NON>                     1,189                  1,189
<LOANS-PAST>                    0                      0
<LOANS-TROUBLED>                0                      0
<LOANS-PROBLEM>                 5,608                  5,608
<ALLOWANCE-OPEN>                3,721                  3,651
<CHARGE-OFFS>                   7                      42
<RECOVERIES>                    3                      3
<ALLOWANCE-CLOSE>               3,821                  3,821
<ALLOWANCE-DOMESTIC>            1,760                  1,760
<ALLOWANCE-FOREIGN>             0                      0
<ALLOWANCE-UNALLOCATED>         2,061                  2,061


</TABLE>