<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>                          9-MOS
<FISCAL-YEAR-END>                                       MAR-31-1998
<PERIOD-END>                                            DEC-30-1997
<CASH>                                                        4,245
<INT-BEARING-DEPOSITS>                                            0
<FED-FUNDS-SOLD>                                                  0
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                 342,342
<INVESTMENTS-CARRYING>                                       10,273
<INVESTMENTS-MARKET>                                              0
<LOANS>                                                     232,177
<ALLOWANCE>                                                   2,977
<TOTAL-ASSETS>                                              610,639
<DEPOSITS>                                                  422,765
<SHORT-TERM>                                                 85,385
<LIABILITIES-OTHER>                                           6,288
<LONG-TERM>                                                       0
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                         90
<OTHER-SE>                                                   96,111
<TOTAL-LIABILITIES-AND-EQUITY>                              610,639
<INTEREST-LOAN>                                              24,705
<INTEREST-INVEST>                                            15,234
<INTEREST-OTHER>                                                383
<INTEREST-TOTAL>                                             30,322
<INTEREST-DEPOSIT>                                           15,388
<INTEREST-EXPENSE>                                           18,798
<INTEREST-INCOME-NET>                                         4,017
<LOAN-LOSSES>                                                    45
<SECURITIES-GAINS>                                               (5)
<EXPENSE-OTHER>                                               7,653
<INCOME-PRETAX>                                               4,716
<INCOME-PRE-EXTRAORDINARY>                                    4,716
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                  2,988
<EPS-PRIMARY>                                                   .13
<EPS-DILUTED>                                                   .13
<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>