<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>                   3-mos
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         29,623
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,012,881
<INVESTMENTS-CARRYING>                         309,679
<INVESTMENTS-MARKET>                           305,508
<LOANS>                                        1,007,594
<ALLOWANCE>                                    9,068
<TOTAL-ASSETS>                                 2,478,899
<DEPOSITS>                                     1,555,159
<SHORT-TERM>                                   661,989
<LIABILITIES-OTHER>                            40,049
<LONG-TERM>                                    50,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       121,417
<OTHER-SE>                                     50,285
<TOTAL-LIABILITIES-AND-EQUITY>                 2,478,899
<INTEREST-LOAN>                                19,581
<INTEREST-INVEST>                              21,706
<INTEREST-OTHER>                               35
<INTEREST-TOTAL>                               41,322
<INTEREST-DEPOSIT>                             13,880
<INTEREST-EXPENSE>                             23,873
<INTEREST-INCOME-NET>                          17,449
<LOAN-LOSSES>                                  0
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                10,475
<INCOME-PRETAX>                                9,412
<INCOME-PRE-EXTRAORDINARY>                     9,412
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5,382
<EPS-BASIC>                                  0.65
<EPS-DILUTED>                                  0.62
<YIELD-ACTUAL>                                 6.97
<LOANS-NON>                                    7,339
<LOANS-PAST>                                   254
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               9,120
<CHARGE-OFFS>                                  62
<RECOVERIES>                                   10
<ALLOWANCE-CLOSE>                              9,068
<ALLOWANCE-DOMESTIC>                           9,068
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        7,555