<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q 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>                          MAR-31-1999
<PERIOD-END>                               SEP-30-1998
<CASH>                                           3,042
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     5
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    324,457
<INVESTMENTS-CARRYING>                          11,708
<INVESTMENTS-MARKET>                            11,905
<LOANS>                                        308,789
<ALLOWANCE>                                      3,035
<TOTAL-ASSETS>                                 672,657
<DEPOSITS>                                     420,749
<SHORT-TERM>                                   147,022
<LIABILITIES-OTHER>                              5,765
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      95,061
<TOTAL-LIABILITIES-AND-EQUITY>                 672,657
<INTEREST-LOAN>                                 11,007
<INTEREST-INVEST>                               10,641
<INTEREST-OTHER>                                   136
<INTEREST-TOTAL>                                21,784
<INTEREST-DEPOSIT>                               9,153
<INTEREST-EXPENSE>                              13,142
<INTEREST-INCOME-NET>                            8,642
<LOAN-LOSSES>                                      125
<SECURITIES-GAINS>                                 176
<EXPENSE-OTHER>                                  5,501
<INCOME-PRETAX>                                  3,865
<INCOME-PRE-EXTRAORDINARY>                       3,865
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,435
<EPS-PRIMARY>                                     0.27
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
                                               

</TABLE>