<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, 1998 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                             493
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,248
<INVESTMENTS-CARRYING>                         107,162
<INVESTMENTS-MARKET>                           107,927
<LOANS>                                        162,003
<ALLOWANCE>                                      1,861
<TOTAL-ASSETS>                                 297,814
<DEPOSITS>                                     167,581
<SHORT-TERM>                                     9,577
<LIABILITIES-OTHER>                              3,534
<LONG-TERM>                                     84,388
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            18
<OTHER-SE>                                      32,716
<TOTAL-LIABILITIES-AND-EQUITY>                 297,814
<INTEREST-LOAN>                                  9,867
<INTEREST-INVEST>                                6,632
<INTEREST-OTHER>                                    50
<INTEREST-TOTAL>                                16,549
<INTEREST-DEPOSIT>                               5,249
<INTEREST-EXPENSE>                               8,800
<INTEREST-INCOME-NET>                            7,749
<LOAN-LOSSES>                                    (120)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,717
<INCOME-PRETAX>                                  4,445
<INCOME-PRE-EXTRAORDINARY>                       4,445
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,805
<EPS-PRIMARY>                                     1.63
<EPS-DILUTED>                                     1.58
<YIELD-ACTUAL>                                    3.54
<LOANS-NON>                                        600
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,009
<CHARGE-OFFS>                                       38
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                1,861
<ALLOWANCE-DOMESTIC>                             1,039
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            822
        

</TABLE>