<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Statement of Condition and the Statement of Operation for the period 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>                                           2,292
<INT-BEARING-DEPOSITS>                             444
<FED-FUNDS-SOLD>                                12,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          18,433
<INVESTMENTS-MARKET>                            18,487
<LOANS>                                        380,808
<ALLOWANCE>                                      2,687
<TOTAL-ASSETS>                                 427,589
<DEPOSITS>                                     334,777
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                              9,038
<LONG-TERM>                                     41,303
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      32,431
<TOTAL-LIABILITIES-AND-EQUITY>                 427,589
<INTEREST-LOAN>                                  8,312
<INTEREST-INVEST>                                  626
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 8,938
<INTEREST-DEPOSIT>                               4,439
<INTEREST-EXPENSE>                               5,165
<INTEREST-INCOME-NET>                            3,773
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,241
<INCOME-PRETAX>                                  1,895
<INCOME-PRE-EXTRAORDINARY>                       1,895    
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,263
<EPS-PRIMARY>                                    $0.32
<EPS-DILUTED>                                    $0.30
<YIELD-ACTUAL>                                   3.240
<LOANS-NON>                                      3,413
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,687
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,687
<ALLOWANCE-DOMESTIC>                             2,687
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,604
        

</TABLE>