<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-KSB FOR THE YEAR ENDED JUNE 30, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                         3,933,658
<INT-BEARING-DEPOSITS>                        31,086,638
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                    5,098,307
<INVESTMENTS-CARRYING>                        35,875,978
<INVESTMENTS-MARKET>                          35,872,085
<LOANS>                                       49,715,208
<ALLOWANCE>                                      365,863
<TOTAL-ASSETS>                               130,193,283
<DEPOSITS>                                   120,224,584
<SHORT-TERM>                                           0
<LIABILITIES-OTHER>                              973,170
<LONG-TERM>                                            0
<COMMON>                                           3,640
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<OTHER-SE>                                     8,991,889
<TOTAL-LIABILITIES-AND-EQUITY>               130,193,283
<INTEREST-LOAN>                                3,442,351
<INTEREST-INVEST>                              3,890,258
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                               7,332,609
<INTEREST-DEPOSIT>                             4,179,051
<INTEREST-EXPENSE>                             4,179,051
<INTEREST-INCOME-NET>                          3,153,558
<LOAN-LOSSES>                                          0
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                3,757,282
<INCOME-PRETAX>                                  551,620
<INCOME-PRE-EXTRAORDINARY>                       551,620
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     364,719
<EPS-BASIC>                                       1.00
<EPS-DILUTED>                                       0.99
<YIELD-ACTUAL>                                      2.73
<LOANS-NON>                                      381,000
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                 393,884
<CHARGE-OFFS>                                     29,897
<RECOVERIES>                                       1,876
<ALLOWANCE-CLOSE>                                365,863
<ALLOWANCE-DOMESTIC>                             187,909
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                          177,954



</TABLE>