WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENTS OF FINANCIAL CONDITION, CONSOLIDATED STATEMENTS OF EARNINGS, SELECTED
CONSOLIDATED FINANCIAL DATA AND NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
NOTES.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> US DOLLARS
<PERIOD-TYPE> 3-MOS YEAR
<FISCAL-YEAR-END> JUN-30-1997 JUN-30-1997
<PERIOD-START> APR-01-1997 JUL-01-1996
<PERIOD-END> JUN-30-1997 JUN-30-1997
<EXCHANGE-RATE> 1 1
<CASH> 69,504,187 69,504,187
<INT-BEARING-DEPOSITS> 28,704,668 28,704,668
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 3,386,250 3,386,250
<INVESTMENTS-HELD-FOR-SALE> 139,062,130 139,062,130
<INVESTMENTS-CARRYING> 64,317,419 64,317,419
<INVESTMENTS-MARKET> 67,469,922 67,469,922
<LOANS> 938,517,160 938,517,160
<ALLOWANCE> 10,423,693 10,423,693
<TOTAL-ASSETS> 1,353,242,460 1,353,242,460
<DEPOSITS> 915,394,878 915,394,878
<SHORT-TERM> 165,298,412 165,298,412
<LIABILITIES-OTHER> 41,027,261 41,027,261
<LONG-TERM> 93,150,183 93,150,183
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 137,543 137,543
<OTHER-SE> 138,234,183 138,234,183
<TOTAL-LIABILITIES-AND-EQUITY> 1,353,242,460 1,353,242,460
<INTEREST-LOAN> 23,836,374 93,147,812
<INTEREST-INVEST>(1) 4,570,062 18,284,854
<INTEREST-OTHER> 237,343 491,592
<INTEREST-TOTAL> 28,643,779 111,924,258
<INTEREST-DEPOSIT> 7,818,329 31,284,154
<INTEREST-EXPENSE> 11,928,560 46,246,373
<INTEREST-INCOME-NET> 16,715,219 65,677,885
<LOAN-LOSSES> 801,543 3,135,643
<SECURITIES-GAINS> (210,985) 521,176
<EXPENSE-OTHER> 16,814,620 71,654,725
<INCOME-PRETAX> 9,865,140 30,024,221
<INCOME-PRE-EXTRAORDINARY> 5,698,471 18,559,474
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 5,698,471 18,559,474
<EPS-PRIMARY> 0.41 1.34
<EPS-DILUTED> 0.41 1.34
<YIELD-ACTUAL> 5.56 5.64
<LOANS-NON> 18,436,419 18,436,419
<LOANS-PAST> 11,360,798 11,360,798
<LOANS-TROUBLED> 331,730 331,730
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 10,180,693 9,451,693
<CHARGE-OFFS> 618,730 2,413,735
<RECOVERIES> 60,187 250,092
<ALLOWANCE-CLOSE> 10,423,693 10,423,693
<ALLOWANCE-DOMESTIC> 10,423,693 10,423,693
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
<FN>
- ----------
(1) Includes trading account interest.
</FN>