<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

                                                                            
<PERIOD-TYPE>                                                                        6-MOS
<FISCAL-YEAR-END>                                                              JUN-30-1999
<PERIOD-END>                                                                   JUN-30-1999
<CASH>                                                                              73,661
<INT-BEARING-DEPOSITS>                                                                 204
<FED-FUNDS-SOLD>                                                                    95,171
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                        215,378
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<INVESTMENTS-MARKET>                                                               426,988
<LOANS>                                                                            769,581
<ALLOWANCE>                                                                          9,221
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<SHORT-TERM>                                                                         4,608
<LIABILITIES-OTHER>                                                                 10,609
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            99,620
<OTHER-SE>                                                                          73,675
<TOTAL-LIABILITIES-AND-EQUITY>                                                   1,664,494
<INTEREST-LOAN>                                                                     33,671
<INTEREST-INVEST>                                                                   18,122
<INTEREST-OTHER>                                                                     2,375
<INTEREST-TOTAL>                                                                    54,168
<INTEREST-DEPOSIT>                                                                  21,343
<INTEREST-EXPENSE>                                                                  21,382
<INTEREST-INCOME-NET>                                                               32,786
<LOAN-LOSSES>                                                                          778
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     26,052
<INCOME-PRETAX>                                                                     18,320
<INCOME-PRE-EXTRAORDINARY>                                                          12,599
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                        12,599
<EPS-BASIC>                                                                            1.27
<EPS-DILUTED>                                                                            1.26
<YIELD-ACTUAL>                                                                           4.50
<LOANS-NON>                                                                          2,191
<LOANS-PAST>                                                                           131
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        427
<ALLOWANCE-OPEN>                                                                     8,994
<CHARGE-OFFS>                                                                          831
<RECOVERIES>                                                                           750
<ALLOWANCE-CLOSE>                                                                    9,221
<ALLOWANCE-DOMESTIC>                                                                 9,221
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0