<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
December 31, 1998 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>                                           5,631
<INT-BEARING-DEPOSITS>                             469
<FED-FUNDS-SOLD>                                13,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          20,400
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        386,147
<ALLOWANCE>                                      2,630
<TOTAL-ASSETS>                                 440,686
<DEPOSITS>                                     335,351
<SHORT-TERM>                                    15,000
<LIABILITIES-OTHER>                             11,908
<LONG-TERM>                                     41,057
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      37,330
<TOTAL-LIABILITIES-AND-EQUITY>                 440,686
<INTEREST-LOAN>                                 24,972
<INTEREST-INVEST>                                1,567
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                26,539
<INTEREST-DEPOSIT>                              12,952
<INTEREST-EXPENSE>                              15,122
<INTEREST-INCOME-NET>                           11,417
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,121
<INCOME-PRETAX>                                  9,294
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,162
<EPS-PRIMARY>                                     1.54
<EPS-DILUTED>                                     1.49
<YIELD-ACTUAL>                                   3.200
<LOANS-NON>                                      4,886
<LOANS-PAST>                                       428
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,686
<CHARGE-OFFS>                                       62
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,630
<ALLOWANCE-DOMESTIC>                             2,630
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,583
        

</TABLE>