WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENTS OF FINANCIAL CONDITION, CONSOLIDATED STATEMENTS OF EARNINGS, SELECTED
CONSOLIDATED  FINANCIAL DATA AND NOTES TO CONSOLIDATED  FINANCIAL STATEMENTS AND
IS  QUALIFIED IN ITS ENTIRETY BY  REFERENCE  TO SUCH  FINANCIAL  STATEMENTS  AND
NOTES.
</LEGEND>
<MULTIPLIER>                                   1
<CURRENCY>                                     US DOLLARS
       
<S>                             <C>                         <C>
<PERIOD-TYPE>                   3-MOS                       YEAR
<FISCAL-YEAR-END>                              JUN-30-1997                 JUN-30-1997
<PERIOD-START>                                 APR-01-1997                 JUL-01-1996
<PERIOD-END>                                   JUN-30-1997                 JUN-30-1997
<EXCHANGE-RATE>                                               1                                     1
<CASH>                                               69,504,187                            69,504,187
<INT-BEARING-DEPOSITS>                               28,704,668                            28,704,668
<FED-FUNDS-SOLD>                                              0                                     0
<TRADING-ASSETS>                                      3,386,250                             3,386,250
<INVESTMENTS-HELD-FOR-SALE>                         139,062,130                           139,062,130
<INVESTMENTS-CARRYING>                               64,317,419                            64,317,419
<INVESTMENTS-MARKET>                                 67,469,922                            67,469,922
<LOANS>                                             938,517,160                           938,517,160
<ALLOWANCE>                                          10,423,693                            10,423,693
<TOTAL-ASSETS>                                    1,353,242,460                         1,353,242,460
<DEPOSITS>                                          915,394,878                           915,394,878
<SHORT-TERM>                                        165,298,412                           165,298,412
<LIABILITIES-OTHER>                                  41,027,261                            41,027,261
<LONG-TERM>                                          93,150,183                            93,150,183
<PREFERRED-MANDATORY>                                         0                                     0
<PREFERRED>                                                   0                                     0
<COMMON>                                                137,543                               137,543
<OTHER-SE>                                          138,234,183                           138,234,183
<TOTAL-LIABILITIES-AND-EQUITY>                    1,353,242,460                         1,353,242,460
<INTEREST-LOAN>                                      23,836,374                            93,147,812
<INTEREST-INVEST>(1)                                  4,570,062                            18,284,854
<INTEREST-OTHER>                                        237,343                               491,592
<INTEREST-TOTAL>                                     28,643,779                           111,924,258
<INTEREST-DEPOSIT>                                    7,818,329                            31,284,154
<INTEREST-EXPENSE>                                   11,928,560                            46,246,373
<INTEREST-INCOME-NET>                                16,715,219                            65,677,885
<LOAN-LOSSES>                                           801,543                             3,135,643
<SECURITIES-GAINS>                                     (210,985)                              521,176
<EXPENSE-OTHER>                                      16,814,620                            71,654,725
<INCOME-PRETAX>                                       9,865,140                            30,024,221
<INCOME-PRE-EXTRAORDINARY>                            5,698,471                            18,559,474
<EXTRAORDINARY>                                               0                                     0
<CHANGES>                                                     0                                     0
<NET-INCOME>                                          5,698,471                            18,559,474
<EPS-PRIMARY>                                              0.41                                  1.34
<EPS-DILUTED>                                              0.41                                  1.34
<YIELD-ACTUAL>                                             5.56                                  5.64
<LOANS-NON>                                          18,436,419                            18,436,419
<LOANS-PAST>                                         11,360,798                            11,360,798
<LOANS-TROUBLED>                                        331,730                               331,730
<LOANS-PROBLEM>                                               0                                     0
<ALLOWANCE-OPEN>                                     10,180,693                             9,451,693
<CHARGE-OFFS>                                           618,730                             2,413,735
<RECOVERIES>                                             60,187                               250,092
<ALLOWANCE-CLOSE>                                    10,423,693                            10,423,693
<ALLOWANCE-DOMESTIC>                                 10,423,693                            10,423,693
<ALLOWANCE-FOREIGN>                                           0                                     0
<ALLOWANCE-UNALLOCATED>                                       0                                     0
<FN>
----------
(1)  Includes trading account interest.
</FN>

        

</TABLE>