<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 6-MOS
<FISCAL-YEAR-END> JUN-30-1997 JUN-30-1997
<PERIOD-END> DEC-31-1996 DEC-31-1996
<CASH> 74,842,948<F1> 74,842,948<F1>
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 34,929,777 34,929,777
<INVESTMENTS-HELD-FOR-SALE> 120,382,448 120,382,448
<INVESTMENTS-CARRYING> 78,185,684 78,185,684
<INVESTMENTS-MARKET> 0 0
<LOANS> 915,146,523 915,146,523
<ALLOWANCE> 9,937,693 9,937,693
<TOTAL-ASSETS> 1,341,984,728 1,341,984,728
<DEPOSITS> 901,413,774 901,413,774
<SHORT-TERM> 262,057,279<F2> 262,057,279<F2>
<LIABILITIES-OTHER> 48,247,011 48,247,011
<LONG-TERM> 0 0
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 137,410 137,410
<OTHER-SE> 130,129,254 130,129,254
<TOTAL-LIABILITIES-AND-EQUITY> 1,341,984,728 1,341,984,728
<INTEREST-LOAN> 23,390,279 46,194,825
<INTEREST-INVEST> 4,426,755<F3> 8,989,613<F3>
<INTEREST-OTHER> 57,767 142,967
<INTEREST-TOTAL> 27,874,801 55,327,405
<INTEREST-DEPOSIT> 7,856,743 15,769,228
<INTEREST-EXPENSE> 11,323,772 22,539,130
<INTEREST-INCOME-NET> 16,551,029 32,788,275
<LOAN-LOSSES> 605,052 1,337,935
<SECURITIES-GAINS> 215,076 565,246
<EXPENSE-OTHER> 16,692,964 39,616,985
<INCOME-PRETAX> 8,971,401 11,200,776
<INCOME-PRE-EXTRAORDINARY> 5,590,451 7,341,642
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 5,590,451 7,341,642
<EPS-PRIMARY> 0.40 0.53
<EPS-DILUTED> 0.40 0.53
<YIELD-ACTUAL> 5.80 5.76
<LOANS-NON> 20,001,041 20,001,041
<LOANS-PAST> 15,449,456 15,449,456
<LOANS-TROUBLED> 427,353 427,353
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 9,694,693 9,451,693
<CHARGE-OFFS> 421,071 955,295
<RECOVERIES> 59,020 103,361
<ALLOWANCE-CLOSE> 9,937,693 9,937,693
<ALLOWANCE-DOMESTIC> 9,937,693 9,937,693
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
<FN>
<F1>Includes interest-bearing deposits.
<F2>Includes debt due beyond one year.
<F3>Includes trading account interest.
</FN>