<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          FEB-28-1999
<PERIOD-START>                             MAR-01-1998
<PERIOD-END>                               MAY-31-1998
<CASH>                                          10,484
<INT-BEARING-DEPOSITS>                          57,865
<FED-FUNDS-SOLD>                                17,170
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,408
<INVESTMENTS-CARRYING>                          33,927
<INVESTMENTS-MARKET>                            33,929
<LOANS>                                        968,162
<ALLOWANCE>                                      4,775
<TOTAL-ASSETS>                               1,188,121
<DEPOSITS>                                     832,699
<SHORT-TERM>                                    83,750
<LIABILITIES-OTHER>                             23,631
<LONG-TERM>                                    140,680
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            84
<OTHER-SE>                                     107,277
<TOTAL-LIABILITIES-AND-EQUITY>               1,188,121
<INTEREST-LOAN>                                 18,476
<INTEREST-INVEST>                                2,616
<INTEREST-OTHER>                                   275
<INTEREST-TOTAL>                                21,367
<INTEREST-DEPOSIT>                              10,269
<INTEREST-EXPENSE>                              13,626
<INTEREST-INCOME-NET>                            7,741
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,880
<INCOME-PRETAX>                                  3,998
<INCOME-PRE-EXTRAORDINARY>                       3,998
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,434
<EPS-PRIMARY>                                      .37
<EPS-DILUTED>                                      .36
<YIELD-ACTUAL>                                    2.64
<LOANS-NON>                                      5,492
<LOANS-PAST>                                       833
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  8,738
<ALLOWANCE-OPEN>                                 4,782
<CHARGE-OFFS>                                       14
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                4,775
<ALLOWANCE-DOMESTIC>                             4,775
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,775