<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED MARCH 31, 1997 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          31,453
<INT-BEARING-DEPOSITS>                          22,866
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    780,862
<INVESTMENTS-CARRYING>                         235,197
<INVESTMENTS-MARKET>                           232,884
<LOANS>                                      1,673,957
<ALLOWANCE>                                     16,823
<TOTAL-ASSETS>                               2,937,269
<DEPOSITS>                                   1,683,998
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             34,429
<LONG-TERM>                                  1,032,855
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            86
<OTHER-SE>                                     185,901
<TOTAL-LIABILITIES-AND-EQUITY>               2,937,269
<INTEREST-LOAN>                                123,284
<INTEREST-INVEST>                               64,082
<INTEREST-OTHER>                                 2,920
<INTEREST-TOTAL>                               190,286
<INTEREST-DEPOSIT>                              70,933
<INTEREST-EXPENSE>                             123,367
<INTEREST-INCOME-NET>                           66,919
<LOAN-LOSSES>                                    2,850
<SECURITIES-GAINS>                                 116
<EXPENSE-OTHER>                                 70,033
<INCOME-PRETAX>                                 22,311
<INCOME-PRE-EXTRAORDINARY>                      15,162
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,162
<EPS-PRIMARY>                                     1.70
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    7.01
<LOANS-NON>                                      6,897
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                11,683
<LOANS-PROBLEM>                                 19,554
<ALLOWANCE-OPEN>                                16,330
<CHARGE-OFFS>                                    3,765
<RECOVERIES>                                     1,408
<ALLOWANCE-CLOSE>                               16,823
<ALLOWANCE-DOMESTIC>                            16,823
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0