<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONDENSED
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, CONDENSED CONSOLIDATED
STATEMENTS OF EARNINGS, SUMMARY OF CONSOLIDATED FINANCIAL INFORMATION, AND
NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-END>                               SEP-30-1996
<CASH>                                      73,506,775<F1>
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                            35,348,051
<INVESTMENTS-HELD-FOR-SALE>                122,576,574
<INVESTMENTS-CARRYING>                      78,612,761
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    885,808,096
<ALLOWANCE>                                  9,694,693
<TOTAL-ASSETS>                           1,302,238,925
<DEPOSITS>                                 912,593,315
<SHORT-TERM>                               217,016,993<F2>
<LIABILITIES-OTHER>                         46,807,920
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       137,410
<OTHER-SE>                                 125,683,287
<TOTAL-LIABILITIES-AND-EQUITY>           1,302,238,925
<INTEREST-LOAN>                             22,804,546
<INTEREST-INVEST>                            4,562,858<F3>
<INTEREST-OTHER>                                85,200
<INTEREST-TOTAL>                            27,452,604
<INTEREST-DEPOSIT>                           7,912,485
<INTEREST-EXPENSE>                          11,215,358
<INTEREST-INCOME-NET>                       16,237,246
<LOAN-LOSSES>                                  732,883
<SECURITIES-GAINS>                             350,170
<EXPENSE-OTHER>                             22,924,021
<INCOME-PRETAX>                              2,229,375
<INCOME-PRE-EXTRAORDINARY>                   1,751,191
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,751,191
<EPS-PRIMARY>                                     0.13
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    5.72
<LOANS-NON>                                 21,465,560
<LOANS-PAST>                                16,802,682
<LOANS-TROUBLED>                               427,492
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             9,451,693
<CHARGE-OFFS>                                  534,224
<RECOVERIES>                                    44,341
<ALLOWANCE-CLOSE>                            9,694,693
<ALLOWANCE-DOMESTIC>                         9,694,693
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INCLUDES INTEREST-BEARING DEPOSITS.
<F2>INCLUDES DEBT DUE BEYOND ONE YEAR.
<F3>INCLUDES TRADING ACCOUNT INTEREST.
</FN>