<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-START>                             APR-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                         143,175
<INT-BEARING-DEPOSITS>                           4,974
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    717,324
<INVESTMENTS-CARRYING>                         400,809
<INVESTMENTS-MARKET>                           401,714
<LOANS>                                      1,065,782
<ALLOWANCE>                                     18,691
<TOTAL-ASSETS>                               2,424,231
<DEPOSITS>                                   1,018,988
<SHORT-TERM>                                   672,310
<LIABILITIES-OTHER>                             17,267
<LONG-TERM>                                    494,680
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     168,369
<TOTAL-LIABILITIES-AND-EQUITY>               2,424,231
<INTEREST-LOAN>                                 60,537
<INTEREST-INVEST>                               57,692
<INTEREST-OTHER>                                   450
<INTEREST-TOTAL>                               118,679
<INTEREST-DEPOSIT>                              27,083
<INTEREST-EXPENSE>                              70,739
<INTEREST-INCOME-NET>                           47,940
<LOAN-LOSSES>                                    3,000
<SECURITIES-GAINS>                               1,618
<EXPENSE-OTHER>                                 38,295
<INCOME-PRETAX>                                 20,706
<INCOME-PRE-EXTRAORDINARY>                      20,706
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,302
<EPS-PRIMARY>                                     1.06
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                      9,632
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 12,003
<ALLOWANCE-OPEN>                                17,758
<CHARGE-OFFS>                                      200
<RECOVERIES>                                       148
<ALLOWANCE-CLOSE>                                  985
<ALLOWANCE-DOMESTIC>                            18,691
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0