<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                           20355
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 29750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     545803
<INVESTMENTS-CARRYING>                           74938
<INVESTMENTS-MARKET>                             76154
<LOANS>                                        1091736
<ALLOWANCE>                                      12046
<TOTAL-ASSETS>                                 1829675
<DEPOSITS>                                     1023992
<SHORT-TERM>                                    188525
<LIABILITIES-OTHER>                              48686
<LONG-TERM>                                     391029
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           145
<OTHER-SE>                                      179298
<TOTAL-LIABILITIES-AND-EQUITY>                 1829675
<INTEREST-LOAN>                                  41068
<INTEREST-INVEST>                                18917
<INTEREST-OTHER>                                   673
<INTEREST-TOTAL>                                 60658
<INTEREST-DEPOSIT>                               21342
<INTEREST-EXPENSE>                               35572
<INTEREST-INCOME-NET>                            25086
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                 632
<EXPENSE-OTHER>                                  13766
<INCOME-PRETAX>                                  14861
<INCOME-PRE-EXTRAORDINARY>                        8668
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      8668
<EPS-PRIMARY>                                     0.83
<EPS-DILUTED>                                     0.77
<YIELD-ACTUAL>                                    7.36
<LOANS-NON>                                       1327
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                  3971
<LOANS-PROBLEM>                                   4113
<ALLOWANCE-OPEN>                                 12075
<CHARGE-OFFS>                                      151
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                12046
<ALLOWANCE-DOMESTIC>                             12046
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0