<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999             JUN-30-1999
<PERIOD-END>                               DEC-31-1998             DEC-31-1998
<CASH>                                           5,080                   5,080
<INT-BEARING-DEPOSITS>                           7,268                   7,268
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                18,236                  18,236
<INVESTMENTS-HELD-FOR-SALE>                     70,124                  70,124
<INVESTMENTS-CARRYING>                          11,761                  11,761
<INVESTMENTS-MARKET>                            11,781                  11,781
<LOANS>                                        285,194                 285,194
<ALLOWANCE>                                      3,432                   3,432
<TOTAL-ASSETS>                                 410,494                 410,494
<DEPOSITS>                                     318,975                 318,975
<SHORT-TERM>                                    35,918                  35,918
<LIABILITIES-OTHER>                              5,033                   5,033
<LONG-TERM>                                     16,600                  16,600
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         3,682                   3,682
<OTHER-SE>                                      30,286                  30,286
<TOTAL-LIABILITIES-AND-EQUITY>                 410,494                 410,494
<INTEREST-LOAN>                                  5,777                  11,427
<INTEREST-INVEST>                                1,395                   2,735
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 7,172                  14,162
<INTEREST-DEPOSIT>                               3,029                   6,141
<INTEREST-EXPENSE>                               3,783                   7,554
<INTEREST-INCOME-NET>                            3,389                   6,608
<LOAN-LOSSES>                                       45                      90
<SECURITIES-GAINS>                                 225                     458
<EXPENSE-OTHER>                                  3,028                   6,017
<INCOME-PRETAX>                                  1,703                   3,274
<INCOME-PRE-EXTRAORDINARY>                       1,703                   3,274
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,168                   2,267
<EPS-PRIMARY>                                      .32                     .62
<EPS-DILUTED>                                      .31                     .61
<YIELD-ACTUAL>                                    3.74                    3.68
<LOANS-NON>                                      1,446                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  1,821                       0
<ALLOWANCE-OPEN>                                 3,383                   3,414
<CHARGE-OFFS>                                        5                      85
<RECOVERIES>                                         9                      13
<ALLOWANCE-CLOSE>                                3,432                   3,432
<ALLOWANCE-DOMESTIC>                             1,531                   1,531
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,901                   1,901
        

</TABLE>