<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              Jun-30-1999
<PERIOD-END>                                   Mar-31-1999
<CASH>                                            115,591
<INT-BEARING-DEPOSITS>                          2,970,788
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    52,435,911
<INVESTMENTS-CARRYING>                         52,435,911
<INVESTMENTS-MARKET>                           52,435,911
<LOANS>                                        33,783,182
<ALLOWANCE>                                       290,013
<TOTAL-ASSETS>                                 93,525,998
<DEPOSITS>                                     51,569,947
<SHORT-TERM>                                    2,000,000
<LIABILITIES-OTHER>                             1,267,605
<LONG-TERM>                                    29,699,303
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          112,500
<OTHER-SE>                                      8,876,643
<TOTAL-LIABILITIES-AND-EQUITY>                 93,525,998
<INTEREST-LOAN>                                 1,951,353
<INTEREST-INVEST>                               2,154,264
<INTEREST-OTHER>                                  124,421
<INTEREST-TOTAL>                                4,230,038
<INTEREST-DEPOSIT>                              2,000,869
<INTEREST-EXPENSE>                              2,946,908
<INTEREST-INCOME-NET>                           1,283,130
<LOAN-LOSSES>                                      39,000
<SECURITIES-GAINS>                                 37,913
<EXPENSE-OTHER>                                 1,162,303
<INCOME-PRETAX>                                   206,408
<INCOME-PRE-EXTRAORDINARY>                        206,408
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      142,193
<EPS-PRIMARY>                                         .21
<EPS-DILUTED>                                         .20
<YIELD-ACTUAL>                                       1.49
<LOANS-NON>                                       377,881
<LOANS-PAST>                                    1,290,798
<LOANS-TROUBLED>                                  377,881
<LOANS-PROBLEM>                                   377,881
<ALLOWANCE-OPEN>                                  251,013
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 290,013
<ALLOWANCE-DOMESTIC>                              290,013
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                            76,255
        


</TABLE>