<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at June 30, 1998 and the
Consolidated Statement of Operations for the six months Ended June 30,
1998 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          53,659
<INT-BEARING-DEPOSITS>                       1,414,711
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    762,925
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,307,756
<ALLOWANCE>                                     13,315
<TOTAL-ASSETS>                               2,265,248
<DEPOSITS>                                   1,562,915
<SHORT-TERM>                                   347,733
<LIABILITIES-OTHER>                             58,996
<LONG-TERM>                                    177,611
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     117,893
<TOTAL-LIABILITIES-AND-EQUITY>               2,265,248
<INTEREST-LOAN>                                 46,940
<INTEREST-INVEST>                                6,251
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                71,695
<INTEREST-DEPOSIT>                              31,133
<INTEREST-EXPENSE>                              44,051
<INTEREST-INCOME-NET>                           27,644
<LOAN-LOSSES>                                    1,320
<SECURITIES-GAINS>                                 406
<EXPENSE-OTHER>                                 31,448
<INCOME-PRETAX>                                  4,918
<INCOME-PRE-EXTRAORDINARY>                       4,918
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,380
<EPS-PRIMARY>                                     0.40<F1>
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    2.69
<LOANS-NON>                                      7,725
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,991
<LOANS-PROBLEM>                                 15,431
<ALLOWANCE-OPEN>                                12,528
<CHARGE-OFFS>                                    1,467
<RECOVERIES>                                       934
<ALLOWANCE-CLOSE>                               13,315
<ALLOWANCE-DOMESTIC>                            13,315
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Per share amendments reflect the 2-for-1 stock split effective November
1997.
              1997           1996
BASIC         0.68           0.71
DILUTED       0.64           0.68
</FN>