<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Statement of Condition and the Statement to Operation for the period ended
December 31, 1998 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-30-1999
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                             910
<INT-BEARING-DEPOSITS>                           2,353
<FED-FUNDS-SOLD>                                14,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          15,414
<INVESTMENTS-MARKET>                            15,371
<LOANS>                                        390,044
<ALLOWANCE>                                      2,690
<TOTAL-ASSETS>                                 435,891
<DEPOSITS>                                     339,301
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                             11,533
<LONG-TERM>                                     41,179
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      33,838
<TOTAL-LIABILITIES-AND-EQUITY>                 435,891
<INTEREST-LOAN>                                 16,736
<INTEREST-INVEST>                                1,137
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                17,873
<INTEREST-DEPOSIT>                               8,788
<INTEREST-EXPENSE>                              10,244
<INTEREST-INCOME-NET>                            7,629
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,439
<INCOME-PRETAX>                                  3,998
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,670
<EPS-PRIMARY>                                    $0.67
<EPS-DILUTED>                                    $0.64
<YIELD-ACTUAL>                                   3.250
<LOANS-NON>                                      2,806
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,687
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,690
<ALLOWANCE-DOMESTIC>                             2,690
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,537
        

</TABLE>