<ARTICLE> 9
<LEGEND>
$ In Thousands Except Per Share Amounts
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          15,410
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,985
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    640,255
<INVESTMENTS-CARRYING>                          41,908
<INVESTMENTS-MARKET>                            42,190
<LOANS>                                      1,486,262
<ALLOWANCE>                                     15,093
<TOTAL-ASSETS>                               2,336,711
<DEPOSITS>                                   1,214,101
<SHORT-TERM>                                   128,874
<LIABILITIES-OTHER>                             55,725
<LONG-TERM>                                    723,465
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           145
<OTHER-SE>                                     214,401
<TOTAL-LIABILITIES-AND-EQUITY>               2,336,711
<INTEREST-LOAN>                                 27,152
<INTEREST-INVEST>                               10,684
<INTEREST-OTHER>                                   219
<INTEREST-TOTAL>                                38,055
<INTEREST-DEPOSIT>                              11,224
<INTEREST-EXPENSE>                              22,049
<INTEREST-INCOME-NET>                           16,006
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                 117
<EXPENSE-OTHER>                                  8,886
<INCOME-PRETAX>                                  9,717
<INCOME-PRE-EXTRAORDINARY>                       5,560
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,560
<EPS-BASIC>                                     0.48
<EPS-DILUTED>                                     0.45
<YIELD-ACTUAL>                                    7.15
<LOANS-NON>                                      3,201
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   700
<LOANS-PROBLEM>                                  2,394
<ALLOWANCE-OPEN>                                15,081
<CHARGE-OFFS>                                       49
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                               15,092
<ALLOWANCE-DOMESTIC>                            15,092
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0