<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-START> APR-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 66,544 <INT-BEARING-DEPOSITS> 10,234 <FED-FUNDS-SOLD> 12,043 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 116,798 <INVESTMENTS-CARRYING> 270,233 <INVESTMENTS-MARKET> 263,716 <LOANS> 2,603,426 <ALLOWANCE> 24,140 <TOTAL-ASSETS> 3,098,271 <DEPOSITS> 1,991,161 <SHORT-TERM> 586,484 <LIABILITIES-OTHER> 59,024 <LONG-TERM> 251,596 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 59,110 <OTHER-SE> 150,896 <TOTAL-LIABILITIES-AND-EQUITY> 3,098,271 <INTEREST-LOAN> 97,205 <INTEREST-INVEST> 13,444 <INTEREST-OTHER> 695 <INTEREST-TOTAL> 111,344 <INTEREST-DEPOSIT> 45,306 <INTEREST-EXPENSE> 70,928 <INTEREST-INCOME-NET> 40,416 <LOAN-LOSSES> 345 <SECURITIES-GAINS> 82 <EXPENSE-OTHER> 25,532 <INCOME-PRETAX> 21,474 <INCOME-PRE-EXTRAORDINARY> 21,474 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,566 <EPS-BASIC> 0.59 <EPS-DILUTED> 0.58 <YIELD-ACTUAL> 7.87 <LOANS-NON> 3,765 <LOANS-PAST> 0 <LOANS-TROUBLED> 444 <LOANS-PROBLEM> 4,216 <ALLOWANCE-OPEN> 24,404 <CHARGE-OFFS> 880 <RECOVERIES> 271 <ALLOWANCE-CLOSE> 24,140 <ALLOWANCE-DOMESTIC> 24,140 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 23,882