<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               SEP-30-1996
<CASH>                                           20760
<INT-BEARING-DEPOSITS>                            2836
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 15229
<INVESTMENTS-HELD-FOR-SALE>                      53293
<INVESTMENTS-CARRYING>                            9258
<INVESTMENTS-MARKET>                              8973
<LOANS>                                        1000676
<ALLOWANCE>                                       7292
<TOTAL-ASSETS>                                 1154446
<DEPOSITS>                                      922007
<SHORT-TERM>                                    115500
<LIABILITIES-OTHER>                              22058
<LONG-TERM>                                       1377
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          6742
<OTHER-SE>                                       85010
<TOTAL-LIABILITIES-AND-EQUITY>                 1154446
<INTEREST-LOAN>                                  19702
<INTEREST-INVEST>                                 1503
<INTEREST-OTHER>                                   175
<INTEREST-TOTAL>                                 21380
<INTEREST-DEPOSIT>                               11212
<INTEREST-EXPENSE>                               12650
<INTEREST-INCOME-NET>                             8730
<LOAN-LOSSES>                                      903
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  11396
<INCOME-PRETAX>                                  (2577)
<INCOME-PRE-EXTRAORDINARY>                       (2577)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (1593)
<EPS-PRIMARY>                                    (0.23)
<EPS-DILUTED>                                    (0.23)
<YIELD-ACTUAL>                                    3.28
<LOANS-NON>                                       5064
<LOANS-PAST>                                      9646
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  6609
<CHARGE-OFFS>                                      442
<RECOVERIES>                                       222
<ALLOWANCE-CLOSE>                                 7292
<ALLOWANCE-DOMESTIC>                              4374
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           2918