<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          JUN-30-1998
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                           8,831
<INT-BEARING-DEPOSITS>                           2,000
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                42,440
<INVESTMENTS-HELD-FOR-SALE>                    481,360
<INVESTMENTS-CARRYING>                         162,151
<INVESTMENTS-MARKET>                           164,404
<LOANS>                                        551,078
<ALLOWANCE>                                      5,658
<TOTAL-ASSETS>                               1,311,388
<DEPOSITS>                                     571,431
<SHORT-TERM>                                   490,971
<LIABILITIES-OTHER>                             27,368
<LONG-TERM>                                    114,588
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,047
<OTHER-SE>                                      96,983
<TOTAL-LIABILITIES-AND-EQUITY>               1,311,388
<INTEREST-LOAN>                                 60,654
<INTEREST-INVEST>                               39,737
<INTEREST-OTHER>                                 1,189
<INTEREST-TOTAL>                               101,580
<INTEREST-DEPOSIT>                              26,197
<INTEREST-EXPENSE>                              58,139
<INTEREST-INCOME-NET>                           43,441
<LOAN-LOSSES>                                    9,545
<SECURITIES-GAINS>                               1,945
<EXPENSE-OTHER>                                 31,281
<INCOME-PRETAX>                                 25,260
<INCOME-PRE-EXTRAORDINARY>                      25,260
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    21,410
<EPS-PRIMARY>                                     2.15
<EPS-DILUTED>                                     2.08
<YIELD-ACTUAL>                                    3.57
<LOANS-NON>                                     15,895
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,408
<CHARGE-OFFS>                                 (11,484)
<RECOVERIES>                                     2,189
<ALLOWANCE-CLOSE>                                5,658
<ALLOWANCE-DOMESTIC>                             5,658
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0