<ARTICLE> 9
<LEGEND>
DOLLARS IN THOUSANDS EXCEPT PER SHARE AMOUNTS
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                         $14,786
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                39,226
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    572,353
<INVESTMENTS-CARRYING>                          36,283
<INVESTMENTS-MARKET>                            36,067
<LOANS>                                      1,647,542
<ALLOWANCE>                                     14,725
<TOTAL-ASSETS>                               2,458,425
<DEPOSITS>                                   1,223,790
<SHORT-TERM>                                   311,181
<LIABILITIES-OTHER>                             64,385
<LONG-TERM>                                    649,486
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           145
<OTHER-SE>                                     209,438
<TOTAL-LIABILITIES-AND-EQUITY>               2,458,425
<INTEREST-LOAN>                                 87,053
<INTEREST-INVEST>                               30,653
<INTEREST-OTHER>                                 2,784
<INTEREST-TOTAL>                               120,490
<INTEREST-DEPOSIT>                              33,548
<INTEREST-EXPENSE>                              72,397
<INTEREST-INCOME-NET>                           48,093
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                             (1,308)
<EXPENSE-OTHER>                                 26,706
<INCOME-PRETAX>                                 28,191
<INCOME-PRE-EXTRAORDINARY>                      16,738
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,738
<EPS-BASIC>                                     1.46
<EPS-DILUTED>                                     1.40
<YIELD-ACTUAL>                                    7.18
<LOANS-NON>                                      2,569
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   700
<LOANS-PROBLEM>                                  2,943
<ALLOWANCE-OPEN>                                15,081
<CHARGE-OFFS>                                      539
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                               14,725
<ALLOWANCE-DOMESTIC>                            14,725
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0