<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1998 <PERIOD-START> APR-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 6,469 <INT-BEARING-DEPOSITS> 17,803 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 649,396 <INVESTMENTS-CARRYING> 412,144 <INVESTMENTS-MARKET> 411,168 <LOANS> 905,090 <ALLOWANCE> 15,514 <TOTAL-ASSETS> 2,070,198 <DEPOSITS> 903,607 <SHORT-TERM> 590,839 <LIABILITIES-OTHER> 22,876 <LONG-TERM> 359,431 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 143,445 <TOTAL-LIABILITIES-AND-EQUITY> 2,070,198 <INTEREST-LOAN> 18,392 <INTEREST-INVEST> 18,248 <INTEREST-OTHER> 150 <INTEREST-TOTAL> 36,790 <INTEREST-DEPOSIT> 8,182 <INTEREST-EXPENSE> 21,347 <INTEREST-INCOME-NET> 15,443 <LOAN-LOSSES> 1,050 <SECURITIES-GAINS> 154 <EXPENSE-OTHER> 12,032 <INCOME-PRETAX> 6,689 <INCOME-PRE-EXTRAORDINARY> 6,689 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,754 <EPS-PRIMARY> 0.34 <EPS-DILUTED> 0.33 <YIELD-ACTUAL> 3.26 <LOANS-NON> 9,498 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 6,867 <ALLOWANCE-OPEN> 14,733 <CHARGE-OFFS> 277 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 15,514 <ALLOWANCE-DOMESTIC> 15,514 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0