<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1997
<PERIOD-START>                                 JUL-01-1996
<PERIOD-END>                                   JUN-30-1997
<CASH>                                            10,760,000   
<INT-BEARING-DEPOSITS>                            15,978,000   
<FED-FUNDS-SOLD>                                           0   
<TRADING-ASSETS>                                           0   
<INVESTMENTS-HELD-FOR-SALE>                       27,706,000   
<INVESTMENTS-CARRYING>                             6,543,000   
<INVESTMENTS-MARKET>                               6,609,000   
<LOANS>                                          685,366,000   
<ALLOWANCE>                                        9,295,000   
<TOTAL-ASSETS>                                   858,403,000   
<DEPOSITS>                                       600,205,000   
<SHORT-TERM>                                     182,163,000   
<LIABILITIES-OTHER>                                9,543,000   
<LONG-TERM>                                                0   
<PREFERRED-MANDATORY>                                      0   
<PREFERRED>                                                0
<COMMON>                                          14,925,000   
<OTHER-SE>                                        51,567,000   
<TOTAL-LIABILITIES-AND-EQUITY>                   858,403,000  
<INTEREST-LOAN>                                   62,640,000   
<INTEREST-INVEST>                                  2,542,000   
<INTEREST-OTHER>                                     949,000   
<INTEREST-TOTAL>                                  66,131,000   
<INTEREST-DEPOSIT>                                27,645,000   
<INTEREST-EXPENSE>                                35,611,000   
<INTEREST-INCOME-NET>                             30,520,000   
<LOAN-LOSSES>                                      2,347,000   
<SECURITIES-GAINS>                                         0   
<EXPENSE-OTHER>                                   28,924,000   
<INCOME-PRETAX>                                    7,988,000   
<INCOME-PRE-EXTRAORDINARY>                         7,988,000   
<EXTRAORDINARY>                                            0   
<CHANGES>                                                  0   
<NET-INCOME>                                       5,112,000 
<EPS-PRIMARY>                                           0.87 
<EPS-DILUTED>                                           0.87 
<YIELD-ACTUAL>                                          8.67   
<LOANS-NON>                                       12,079,000   
<LOANS-PAST>                                               0   
<LOANS-TROUBLED>                                           0   
<LOANS-PROBLEM>                                    3,119,000   
<ALLOWANCE-OPEN>                                   7,527,000   
<CHARGE-OFFS>                                        649,000   
<RECOVERIES>                                          70,000   
<ALLOWANCE-CLOSE>                                  9,295,000   
<ALLOWANCE-DOMESTIC>                               9,295,000   
<ALLOWANCE-FOREIGN>                                        0   
<ALLOWANCE-UNALLOCATED>                                    0 
                                                 


</TABLE>