<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 SIX MONTHS
ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                             625
<INT-BEARING-DEPOSITS>                             908
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,160
<INVESTMENTS-CARRYING>                          97,712
<INVESTMENTS-MARKET>                            98,589
<LOANS>                                        161,002
<ALLOWANCE>                                      1,853
<TOTAL-ASSETS>                                 292,022
<DEPOSITS>                                     169,365
<SHORT-TERM>                                    25,103
<LIABILITIES-OTHER>                              6,926
<LONG-TERM>                                     59,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      31,110
<TOTAL-LIABILITIES-AND-EQUITY>                 292,022
<INTEREST-LOAN>                                  6,565
<INTEREST-INVEST>                                4,434
<INTEREST-OTHER>                                    35
<INTEREST-TOTAL>                                11,034
<INTEREST-DEPOSIT>                               3,551
<INTEREST-EXPENSE>                               5,908
<INTEREST-INCOME-NET>                            5,126
<LOAN-LOSSES>                                    (120)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,442
<INCOME-PRETAX>                                  3,000
<INCOME-PRE-EXTRAORDINARY>                       3,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,931
<EPS-PRIMARY>                                     1.13
<EPS-DILUTED>                                     1.09
<YIELD-ACTUAL>                                    3.57
<LOANS-NON>                                        598
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,009
<CHARGE-OFFS>                                       38
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                1,853
<ALLOWANCE-DOMESTIC>                             1,006
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            847
        

</TABLE>