<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE  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, 1999 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-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                             808
<INT-BEARING-DEPOSITS>                             713
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,795
<INVESTMENTS-CARRYING>                         139,940
<INVESTMENTS-MARKET>                           140,339
<LOANS>                                        161,545
<ALLOWANCE>                                      1,842
<TOTAL-ASSETS>                                 323,365
<DEPOSITS>                                     171,240
<SHORT-TERM>                                    25,779
<LIABILITIES-OTHER>                              3,972
<LONG-TERM>                                     93,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            37
<OTHER-SE>                                      28,837
<TOTAL-LIABILITIES-AND-EQUITY>                 323,365
<INTEREST-LOAN>                                  9,536
<INTEREST-INVEST>                                7,383
<INTEREST-OTHER>                                    64
<INTEREST-TOTAL>                                16,983
<INTEREST-DEPOSIT>                               4,953
<INTEREST-EXPENSE>                               9,389
<INTEREST-INCOME-NET>                            7,594
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  36
<EXPENSE-OTHER>                                  3,212
<INCOME-PRETAX>                                  4,755
<INCOME-PRE-EXTRAORDINARY>                       4,755
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,941
<EPS-PRIMARY>                                     0.84
<EPS-DILUTED>                                     0.84
<YIELD-ACTUAL>                                    3.27
<LOANS-NON>                                        649
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,856
<CHARGE-OFFS>                                       15
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,842
<ALLOWANCE-DOMESTIC>                             1,099
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            743
        

</TABLE>