<ARTICLE>                                            9
<LEGEND>
      This schedule contained summary information extracted from the Form 10-Q
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                  1000

                             
<PERIOD-TYPE>                   6-mos
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   DEC-30-1999
<CASH>                                         40,904
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               31,499
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    965,042
<INVESTMENTS-CARRYING>                         307,665
<INVESTMENTS-MARKET>                           299,716
<LOANS>                                        999,009
<ALLOWANCE>                                    9,045
<TOTAL-ASSETS>                                 2,478,113
<DEPOSITS>                                     1,540,470
<SHORT-TERM>                                   685,978
<LIABILITIES-OTHER>                            25,289
<LONG-TERM>                                    50,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       119,602
<OTHER-SE>                                     56,774
<TOTAL-LIABILITIES-AND-EQUITY>                 2,478,113
<INTEREST-LOAN>                                39,260
<INTEREST-INVEST>                              43,232
<INTEREST-OTHER>                               271
<INTEREST-TOTAL>                               82,763
<INTEREST-DEPOSIT>                             27,718
<INTEREST-EXPENSE>                             48,006
<INTEREST-INCOME-NET>                          34,757
<LOAN-LOSSES>                                  0
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                20,862
<INCOME-PRETAX>                                18,781
<INCOME-PRE-EXTRAORDINARY>                     18,781
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   10,735
<EPS-BASIC>                                  1.30
<EPS-DILUTED>                                  1.25
<YIELD-ACTUAL>                                 7.05
<LOANS-NON>                                    6,884
<LOANS-PAST>                                   329
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               9,120
<CHARGE-OFFS>                                  143
<RECOVERIES>                                   68
<ALLOWANCE-CLOSE>                              9,045
<ALLOWANCE-DOMESTIC>                           9,045
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        7,531