<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>                                   1,000
       
                             
<PERIOD-TYPE>                   6-mos
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         34,312
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               2,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,063,215
<INVESTMENTS-CARRYING>                         315,021
<INVESTMENTS-MARKET>                           318,506
<LOANS>                                        971,095
<ALLOWANCE>                                    9,226
<TOTAL-ASSETS>                                 2,472,304
<DEPOSITS>                                     1,647,016
<SHORT-TERM>                                   548,316
<LIABILITIES-OTHER>                            49,720
<LONG-TERM>                                    50,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       119,585
<OTHER-SE>                                     57,667
<TOTAL-LIABILITIES-AND-EQUITY>                 2,472,304
<INTEREST-LOAN>                                39,959
<INTEREST-INVEST>                              45,062
<INTEREST-OTHER>                               221
<INTEREST-TOTAL>                               85,242
<INTEREST-DEPOSIT>                             32,622
<INTEREST-EXPENSE>                             50,439
<INTEREST-INCOME-NET>                          34,803
<LOAN-LOSSES>                                  500
<SECURITIES-GAINS>                             7
<EXPENSE-OTHER>                                20,271
<INCOME-PRETAX>                                17,840
<INCOME-PRE-EXTRAORDINARY>                     17,840
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   9,990
<EPS-PRIMARY>                                  1.16
<EPS-DILUTED>                                  1.10
<YIELD-ACTUAL>                                 7.27
<LOANS-NON>                                    7,248
<LOANS-PAST>                                   231
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               8,941
<CHARGE-OFFS>                                  249
<RECOVERIES>                                   30
<ALLOWANCE-CLOSE>                              9,226
<ALLOWANCE-DOMESTIC>                           9,226
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        8,134