<ARTICLE> 9
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          24,433
<INT-BEARING-DEPOSITS>                          10,829
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    352,970
<INVESTMENTS-CARRYING>                          22,665
<INVESTMENTS-MARKET>                            22,231
<LOANS>                                      1,139,227
<ALLOWANCE>                                     11,251
<TOTAL-ASSETS>                               1,630,290
<DEPOSITS>                                   1,153,293
<SHORT-TERM>                                   276,918
<LIABILITIES-OTHER>                             15,033
<LONG-TERM>                                     75,108
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,107
<OTHER-SE>                                      99,831
<TOTAL-LIABILITIES-AND-EQUITY>               1,630,290
<INTEREST-LOAN>                                 61,008
<INTEREST-INVEST>                               18,686
<INTEREST-OTHER>                                   305
<INTEREST-TOTAL>                                79,999
<INTEREST-DEPOSIT>                              38,306
<INTEREST-EXPENSE>                              51,577
<INTEREST-INCOME-NET>                           28,422
<LOAN-LOSSES>                                    1,550
<SECURITIES-GAINS>                                 125
<EXPENSE-OTHER>                                 23,275
<INCOME-PRETAX>                                  8,702
<INCOME-PRE-EXTRAORDINARY>                       6,948
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,948
<EPS-BASIC>                                        .70
<EPS-DILUTED>                                      .68
<YIELD-ACTUAL>                                    2.55
<LOANS-NON>                                        502
<LOANS-PAST>                                     7,449
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,803
<CHARGE-OFFS>                                    1,253
<RECOVERIES>                                       151
<ALLOWANCE-CLOSE>                               11,251
<ALLOWANCE-DOMESTIC>                             8,948
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,303