<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL QUARTER ENDED MARCH 31, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>      1,000
       
<S>                           <C>
<PERIOD-TYPE>                  6-MOS
<FISCAL-YEAR-END>                           SEP-30-1999
<PERIOD-START>                              OCT-01-1998
<PERIOD-END>                                MAR-31-1999
<CASH>                                         (13,459)
<INT-BEARING-DEPOSITS>                          29,529
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                             100
<INVESTMENTS-MARKET>                               100
<LOANS>                                      3,873,056
<ALLOWANCE>                                      4,175
<TOTAL-ASSETS>                               5,730,891
<DEPOSITS>                                   3,950,384
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             81,221
<LONG-TERM>                                    675,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           915
<OTHER-SE>                                     384,625
<TOTAL-LIABILITIES-AND-EQUITY>               5,730,891
<INTEREST-LOAN>                                140,182
<INTEREST-INVEST>                               45,264
<INTEREST-OTHER>                                 1,763
<INTEREST-TOTAL>                               187,209
<INTEREST-DEPOSIT>                              99,830
<INTEREST-EXPENSE>                             121,758
<INTEREST-INCOME-NET>                           65,451
<LOAN-LOSSES>                                      135
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 58,273
<INCOME-PRETAX>                                 13,440
<INCOME-PRE-EXTRAORDINARY>                      13,440
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,151
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.00
<LOANS-NON>                                      6,510
<LOANS-PAST>                                    15,991
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,081
<CHARGE-OFFS>                                       41
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                4,175
<ALLOWANCE-DOMESTIC>                             4,175
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>