<TABLE> <S> <C>
<ARTICLE> 9
<S> <C> <C>
<PERIOD-TYPE> YEAR YEAR
<FISCAL-YEAR-END> JUN-30-2000 JUN-30-1999
<PERIOD-START> JUL-01-1999 JUL-01-1998
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 14,955 10,372
<INT-BEARING-DEPOSITS> 5,360 576
<FED-FUNDS-SOLD> 55,600 64,042
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 20,044 22,313
<INVESTMENTS-CARRYING> 101,563 92,818
<INVESTMENTS-MARKET> 0 92,522
<LOANS> 1,047,737 1,008,924
<ALLOWANCE> 13,368 13,253
<TOTAL-ASSETS> 1,250,986 1,201,880
<DEPOSITS> 1,080,096 1,037,416
<SHORT-TERM> 0 5,000
<LIABILITIES-OTHER> 13,157 14,685
<LONG-TERM> 73,467 59,708
0 0
0 0
<COMMON> 6,735 6,735
<OTHER-SE> 77,531 78,336
<TOTAL-LIABILITIES-AND-EQUITY> 1,250,986 1,201,880
<INTEREST-LOAN> 74,253 68,609
<INTEREST-INVEST> 10,417 11,102
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 84,670 79,711
<INTEREST-DEPOSIT> 46,408 44,791
<INTEREST-EXPENSE> 49,835 48,172
<INTEREST-INCOME-NET> 34,835 31,539
<LOAN-LOSSES> 236 196
<SECURITIES-GAINS> 0 610
<EXPENSE-OTHER> 17,368 15,788
<INCOME-PRETAX> 20,794 19,214
<INCOME-PRE-EXTRAORDINARY> 20,794 19,214
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 13,218 12,098
<EPS-BASIC> 2.25 1.92
<EPS-DILUTED> 2.23 1.88
<YIELD-ACTUAL> 2.95 2.81
<LOANS-NON> 2,342 2,160
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 13,253 13,223
<CHARGE-OFFS> 257 285
<RECOVERIES> 136 119
<ALLOWANCE-CLOSE> 13,368 13,253
<ALLOWANCE-DOMESTIC> 13,368 13,253
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>