<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-K FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>      1,000

<S>                           <C>
<PERIOD-TYPE>                  3-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-START>                                OCT-01-1999
<PERIOD-END>                                  DEC-31-1999
<CASH>                                             28,301
<INT-BEARING-DEPOSITS>                             34,827
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                             0
<INVESTMENTS-CARRYING>                             15,100
<INVESTMENTS-MARKET>                               14,514
<LOANS>                                         4,532,747
<ALLOWANCE>                                         4,971
<TOTAL-ASSETS>                                  7,129,780
<DEPOSITS>                                      3,962,712
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                                56,466
<LONG-TERM>                                     2,075,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              915
<OTHER-SE>                                        384,864
<TOTAL-LIABILITIES-AND-EQUITY>                  7,129,780
<INTEREST-LOAN>                                    78,980
<INTEREST-INVEST>                                  34,574
<INTEREST-OTHER>                                      423
<INTEREST-TOTAL>                                  113,977
<INTEREST-DEPOSIT>                                 49,734
<INTEREST-EXPENSE>                                 73,155
<INTEREST-INCOME-NET>                              40,822
<LOAN-LOSSES>                                         244
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                    14,872
<INCOME-PRETAX>                                    29,115
<INCOME-PRE-EXTRAORDINARY>                         29,115
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                       18,124
<EPS-BASIC>                                        0.21
<EPS-DILUTED>                                        0.21
<YIELD-ACTUAL>                                       4.60
<LOANS-NON>                                         4,175
<LOANS-PAST>                                       19,824
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    4,175
<CHARGE-OFFS>                                          34
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                   4,617
<ALLOWANCE-DOMESTIC>                                4,617
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 5


</TABLE>