<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Statement of Condition and the Statement of Operation for the period ended
June 30, 2000 and is qualified in its entirety by reference to such financial
statements.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                           3,807
<INT-BEARING-DEPOSITS>                             815
<FED-FUNDS-SOLD>                                 1,050
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          65,259
<INVESTMENTS-MARKET>                            63,853
<LOANS>                                        524,407
<ALLOWANCE>                                      3,388
<TOTAL-ASSETS>                                 612,986
<DEPOSITS>                                     440,982
<SHORT-TERM>                                    94,000
<LIABILITIES-OTHER>                             13,130
<LONG-TERM>                                     21,974
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            48
<OTHER-SE>                                      42,852
<TOTAL-LIABILITIES-AND-EQUITY>                 612,986
<INTEREST-LOAN>                                 38,480
<INTEREST-INVEST>                                3,546
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                42,026
<INTEREST-DEPOSIT>                              19,409
<INTEREST-EXPENSE>                              23,972
<INTEREST-INCOME-NET>                           18,054
<LOAN-LOSSES>                                      850
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,409
<INCOME-PRETAX>                                  9,476
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,312
<EPS-BASIC>                                       1.32
<EPS-DILUTED>                                     1.27
<YIELD-ACTUAL>                                   3.590
<LOANS-NON>                                      4,842
<LOANS-PAST>                                       935
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,630
<CHARGE-OFFS>                                       93
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                3,388
<ALLOWANCE-DOMESTIC>                             3,388
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,386