<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                         0000892157
<NAME>                        HFB Financial Corporation
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   JUN-30-1999
<EXCHANGE-RATE>                                1
<CASH>                                         3,553,021
<INT-BEARING-DEPOSITS>                         20,118
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               1,014,808
<INVESTMENTS-HELD-FOR-SALE>                    37,298,664
<INVESTMENTS-CARRYING>                         21,997,870
<INVESTMENTS-MARKET>                           21,508,000
<LOANS>                                        121,953,392
<ALLOWANCE>                                    1,211,594
<TOTAL-ASSETS>                                 190,416,400
<DEPOSITS>                                     153,987,756
<SHORT-TERM>                                   6,500,000
<LIABILITIES-OTHER>                            1,580,096
<LONG-TERM>                                    10,597,701
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       4,935,728
<OTHER-SE>                                     12,815,319
<TOTAL-LIABILITIES-AND-EQUITY>                 190,416,400
<INTEREST-LOAN>                                10,029,733
<INTEREST-INVEST>                              3,343,921
<INTEREST-OTHER>                               184,062
<INTEREST-TOTAL>                               13,557,716
<INTEREST-DEPOSIT>                             7,206,451
<INTEREST-EXPENSE>                             8,017,757
<INTEREST-INCOME-NET>                          5,539,959
<LOAN-LOSSES>                                  252,876
<SECURITIES-GAINS>                             7,122
<EXPENSE-OTHER>                                3,714,529
<INCOME-PRETAX>                                1,896,792
<INCOME-PRE-EXTRAORDINARY>                     1,896,792
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,240,289
<EPS-BASIC>                                  1.13
<EPS-DILUTED>                                  1.12
<YIELD-ACTUAL>                                 3.09
<LOANS-NON>                                    1,416,000
<LOANS-PAST>                                   526,000
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               973,000
<CHARGE-OFFS>                                  16,000
<RECOVERIES>                                   2,000
<ALLOWANCE-CLOSE>                              1,212,000
<ALLOWANCE-DOMESTIC>                           1,212,000
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0


</TABLE>