<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, 1999 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-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                             895
<INT-BEARING-DEPOSITS>                           1,187
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,441
<INVESTMENTS-CARRYING>                         177,480
<INVESTMENTS-MARKET>                           167,690
<LOANS>                                        178,059
<ALLOWANCE>                                      1,842
<TOTAL-ASSETS>                                 380,261
<DEPOSITS>                                     168,558
<SHORT-TERM>                                    93,205
<LIABILITIES-OTHER>                              5,966
<LONG-TERM>                                     86,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            37
<OTHER-SE>                                      26,495
<TOTAL-LIABILITIES-AND-EQUITY>                 380,261
<INTEREST-LOAN>                                  6,897
<INTEREST-INVEST>                                6,623
<INTEREST-OTHER>                                    20
<INTEREST-TOTAL>                                13,540
<INTEREST-DEPOSIT>                               3,138
<INTEREST-EXPENSE>                               7,836
<INTEREST-INCOME-NET>                            5,704
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,314
<INCOME-PRETAX>                                  3,669
<INCOME-PRE-EXTRAORDINARY>                       3,669
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,317
<EPS-BASIC>                                        .77
<EPS-DILUTED>                                      .76
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                        420
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,842
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,842
<ALLOWANCE-DOMESTIC>                             1,615
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            227


</TABLE>