<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, INCOME, CHANGES IN STOCKHOLDERS'
EQUITY AND NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AT, OR FOR THE TWELVE
MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUN-30-2000
<PERIOD-START> JUL-01-1999
<PERIOD-END> JUN-30-2000
<CASH> 788
<INT-BEARING-DEPOSITS> 2,127
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,232
<INVESTMENTS-CARRYING> 205,168
<INVESTMENTS-MARKET> 196,440
<LOANS> 183,295
<ALLOWANCE> 1,973
<TOTAL-ASSETS> 409,618
<DEPOSITS> 172,858
<SHORT-TERM> 164,507
<LIABILITIES-OTHER> 4,324
<LONG-TERM> 38,000
0
0
<COMMON> 37
<OTHER-SE> 26,874
<TOTAL-LIABILITIES-AND-EQUITY> 409,618
<INTEREST-LOAN> 13,854
<INTEREST-INVEST> 14,098
<INTEREST-OTHER> 36
<INTEREST-TOTAL> 27,952
<INTEREST-DEPOSIT> 6,375
<INTEREST-EXPENSE> 16,933
<INTEREST-INCOME-NET> 11,019
<LOAN-LOSSES> 150
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,626
<INCOME-PRETAX> 6,848
<INCOME-PRE-EXTRAORDINARY> 6,848
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,379
<EPS-BASIC> 1.48
<EPS-DILUTED> 1.47
<YIELD-ACTUAL> 2.72
<LOANS-NON> 4,050
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,842
<CHARGE-OFFS> 19
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,973
<ALLOWANCE-DOMESTIC> 1,610
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 363
</TABLE>