<ARTICLE> 9
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-END>                               JUN-30-1999
<CASH>                                           55820
<INT-BEARING-DEPOSITS>                            3554
<FED-FUNDS-SOLD>                                  1950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     355215
<INVESTMENTS-CARRYING>                            2054
<INVESTMENTS-MARKET>                              2091
<LOANS>                                        1191043
<ALLOWANCE>                                      13305
<TOTAL-ASSETS>                                 1703793
<DEPOSITS>                                     1011203
<SHORT-TERM>                                     74997
<LIABILITIES-OTHER>                              12117
<LONG-TERM>                                     427099
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           113
<OTHER-SE>                                      178264
<TOTAL-LIABILITIES-AND-EQUITY>                 1703793
<INTEREST-LOAN>                                  26128
<INTEREST-INVEST>                                 5851
<INTEREST-OTHER>                                   194
<INTEREST-TOTAL>                                 32173
<INTEREST-DEPOSIT>                               10048
<INTEREST-EXPENSE>                               16926
<INTEREST-INCOME-NET>                            14537
<LOAN-LOSSES>                                      710
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                   9783
<INCOME-PRETAX>                                   6615
<INCOME-PRE-EXTRAORDINARY>                        4057
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4057
<EPS-BASIC>                                       0.39
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    3.63
<LOANS-NON>                                       5924
<LOANS-PAST>                                      1006
<LOANS-TROUBLED>                                   376
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 12261
<CHARGE-OFFS>                                      169
<RECOVERIES>                                        26
<ALLOWANCE-CLOSE>                                13305
<ALLOWANCE-DOMESTIC>                             12163
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1142