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<PERIOD-TYPE>                                                             9-MOS
<FISCAL-YEAR-END>                                                   JUN-30-1999
<PERIOD-START>                                                      JUL-01-1998
<PERIOD-END>                                                        MAR-31-1999
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<LOAN-LOSSES>                                                                (1)
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<EPS-PRIMARY>                                                               .49
<EPS-DILUTED>                                                               .48
<YIELD-ACTUAL>                                                             3.23
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<LOANS-TROUBLED>                                                              0
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<CHARGE-OFFS>                                                                10
<RECOVERIES>                                                                  1
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<ALLOWANCE-DOMESTIC>                                                          0
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     746