<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 23662 <INT-BEARING-DEPOSITS> 3649 <FED-FUNDS-SOLD> 6820 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 318327 <INVESTMENTS-CARRYING> 2768 <INVESTMENTS-MARKET> 2820 <LOANS> 930923 <ALLOWANCE> 9717 <TOTAL-ASSETS> 1362063 <DEPOSITS> 745125 <SHORT-TERM> 91723 <LIABILITIES-OTHER> 23045 <LONG-TERM> 297549 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 109 <OTHER-SE> 150075 <TOTAL-LIABILITIES-AND-EQUITY> 1362063 <INTEREST-LOAN> 20877 <INTEREST-INVEST> 4716 <INTEREST-OTHER> 206 <INTEREST-TOTAL> 25799 <INTEREST-DEPOSIT> 8036 <INTEREST-EXPENSE> 13940 <INTEREST-INCOME-NET> 11859 <LOAN-LOSSES> 667 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 7073 <INCOME-PRETAX> 5712 <INCOME-PRE-EXTRAORDINARY> 3548 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3548 <EPS-PRIMARY> 0.33 <EPS-DILUTED> 0.32 <YIELD-ACTUAL> 3.84 <LOANS-NON> 4663 <LOANS-PAST> 168 <LOANS-TROUBLED> 805 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7857 <CHARGE-OFFS> 492 <RECOVERIES> 69 <ALLOWANCE-CLOSE> 9717 <ALLOWANCE-DOMESTIC> 4204 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 5513