<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1997 <PERIOD-END> JUN-30-1996 <CASH> 8406 <INT-BEARING-DEPOSITS> 1 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 283603 <INVESTMENTS-CARRYING> 1966 <INVESTMENTS-MARKET> 1966 <LOANS> 443110 <ALLOWANCE> 4434 <TOTAL-ASSETS> 764685 <DEPOSITS> 375343 <SHORT-TERM> 18644 <LIABILITIES-OTHER> 11351 <LONG-TERM> 210507 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 109 <OTHER-SE> 148731 <TOTAL-LIABILITIES-AND-EQUITY> 764685 <INTEREST-LOAN> 8932 <INTEREST-INVEST> 3112 <INTEREST-OTHER> 1741 <INTEREST-TOTAL> 13785 <INTEREST-DEPOSIT> 4627 <INTEREST-EXPENSE> 7566 <INTEREST-INCOME-NET> 6219 <LOAN-LOSSES> 513 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 2884 <INCOME-PRETAX> 3277 <INCOME-PRE-EXTRAORDINARY> 2393 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2393 <EPS-PRIMARY> .24 <EPS-DILUTED> .24 <YIELD-ACTUAL> 3.42 <LOANS-NON> 672 <LOANS-PAST> 9 <LOANS-TROUBLED> 154 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4051 <CHARGE-OFFS> 130 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 4434 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4434