<TABLE> <S> <C>
<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.
</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> 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
0
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
</TABLE>