<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-START>                             APR-01-1996
<PERIOD-END>                               DEC-31-1997
<CASH>                                          25,803
<INT-BEARING-DEPOSITS>                          16,370
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    510,771
<INVESTMENTS-CARRYING>                         418,030
<INVESTMENTS-MARKET>                           416,572
<LOANS>                                        830,574
<ALLOWANCE>                                     16,894
<TOTAL-ASSETS>                               1,875,091
<DEPOSITS>                                     833,822
<SHORT-TERM>                                   425,369
<LIABILITIES-OTHER>                             21,145
<LONG-TERM>                                    453,592
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     141,163
<TOTAL-LIABILITIES-AND-EQUITY>               1,875,091
<INTEREST-LOAN>                                 52,963
<INTEREST-INVEST>                               50,085
<INTEREST-OTHER>                                   410
<INTEREST-TOTAL>                               103,458
<INTEREST-DEPOSIT>                              24,391
<INTEREST-EXPENSE>                              63,216
<INTEREST-INCOME-NET>                           40,242
<LOAN-LOSSES>                                    4,310
<SECURITIES-GAINS>                               (144)
<EXPENSE-OTHER>                                 37,643
<INCOME-PRETAX>                                  9,950
<INCOME-PRE-EXTRAORDINARY>                       9,950
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,374
<EPS-PRIMARY>                                     0.91
<EPS-DILUTED>                                     0.91
<YIELD-ACTUAL>                                    3.01
<LOANS-NON>                                     14,142
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,665
<ALLOWANCE-OPEN>                                13,124
<CHARGE-OFFS>                                      617
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                               16,894
<ALLOWANCE-DOMESTIC>                            16,894
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0