<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 THREE
MONTHS ENDED SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                             684
<INT-BEARING-DEPOSITS>                             907
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,671
<INVESTMENTS-CARRYING>                         119,997
<INVESTMENTS-MARKET>                           121,068
<LOANS>                                        153,981
<ALLOWANCE>                                      1,856
<TOTAL-ASSETS>                                 311,509
<DEPOSITS>                                     164,709
<SHORT-TERM>                                    25,654
<LIABILITIES-OTHER>                              3,702
<LONG-TERM>                                     83,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            37
<OTHER-SE>                                      32,952
<TOTAL-LIABILITIES-AND-EQUITY>                 311,509
<INTEREST-LOAN>                                  3,189
<INTEREST-INVEST>                                2,350
<INTEREST-OTHER>                                    15
<INTEREST-TOTAL>                                 5,554
<INTEREST-DEPOSIT>                               1,689
<INTEREST-EXPENSE>                               3,038
<INTEREST-INCOME-NET>                            2,516
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,061
<INCOME-PRETAX>                                  1,557
<INCOME-PRE-EXTRAORDINARY>                       1,557
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       950
<EPS-PRIMARY>                                     0.26
<EPS-DILUTED>                                     0.26
<YIELD-ACTUAL>                                    3.29
<LOANS-NON>                                        697
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,860
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,856
<ALLOWANCE-DOMESTIC>                             1,054
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            802
        

</TABLE>