<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 NINE MONTHS
ENDED MARCH 31, 2000 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                           1,000

<S>                                                      <C>
<PERIOD-TYPE>                                          9-MOS
<FISCAL-YEAR-END>                                JUN-30-2000
<PERIOD-START>                                   JUL-01-1999
<PERIOD-END>                                     MAR-31-2000
<CASH>                                                   760
<INT-BEARING-DEPOSITS>                                 1,196
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                           11,679
<INVESTMENTS-CARRYING>                               196,656
<INVESTMENTS-MARKET>                                 187,739
<LOANS>                                              180,820
<ALLOWANCE>                                            1,842
<TOTAL-ASSETS>                                       399,587
<DEPOSITS>                                           171,297
<SHORT-TERM>                                         172,635
<LIABILITIES-OTHER>                                    6,325
<LONG-TERM>                                           23,000
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                                  37
<OTHER-SE>                                            26,293
<TOTAL-LIABILITIES-AND-EQUITY>                       399,587
<INTEREST-LOAN>                                       10,318
<INTEREST-INVEST>                                     10,287
<INTEREST-OTHER>                                          29
<INTEREST-TOTAL>                                      20,634
<INTEREST-DEPOSIT>                                     4,711
<INTEREST-EXPENSE>                                    12,168
<INTEREST-INCOME-NET>                                  8,466
<LOAN-LOSSES>                                              0
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                        3,354
<INCOME-PRETAX>                                        5,524
<INCOME-PRE-EXTRAORDINARY>                             5,524
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                           3,448
<EPS-BASIC>                                             1.16
<EPS-DILUTED>                                           1.15
<YIELD-ACTUAL>                                          3.06
<LOANS-NON>                                            4,091
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                       1,842
<CHARGE-OFFS>                                              0
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                      1,842
<ALLOWANCE-DOMESTIC>                                   1,533
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                  309


</TABLE>