<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         123,414
<INT-BEARING-DEPOSITS>                           2,047
<FED-FUNDS-SOLD>                                 2,833
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,569,255
<INVESTMENTS-CARRYING>                          15,634
<INVESTMENTS-MARKET>                            15,838
<LOANS>                                      2,199,208
<ALLOWANCE>                                     23,745
<TOTAL-ASSETS>                               4,031,763
<DEPOSITS>                                   2,734,611
<SHORT-TERM>                                   662,300
<LIABILITIES-OTHER>                             56,909
<LONG-TERM>                                    263,494
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,572
<OTHER-SE>                                     307,877
<TOTAL-LIABILITIES-AND-EQUITY>               4,031,763
<INTEREST-LOAN>                                 42,989
<INTEREST-INVEST>                               24,441
<INTEREST-OTHER>                                   885
<INTEREST-TOTAL>                                68,315
<INTEREST-DEPOSIT>                              27,100
<INTEREST-EXPENSE>                              39,362
<INTEREST-INCOME-NET>                           28,953
<LOAN-LOSSES>                                    2,145
<SECURITIES-GAINS>                                 542
<EXPENSE-OTHER>                                 31,906
<INCOME-PRETAX>                                  7,841
<INCOME-PRE-EXTRAORDINARY>                       6,099
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,099
<EPS-PRIMARY>                                      .23
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    3.55
<LOANS-NON>                                     19,138
<LOANS-PAST>                                     3,430
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 19,153
<ALLOWANCE-OPEN>                                19,908
<CHARGE-OFFS>                                      909
<RECOVERIES>                                       455
<ALLOWANCE-CLOSE>                               23,745<F1>
<ALLOWANCE-DOMESTIC>                            15,242
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          8,503
<FN>
<F1>THE ALLOWANCE FOR LOAN LOSS-CLOSE INCLUDES $2,146 RELATED TO THE MARCH 27, 1998
MERGER WITH MIDWEST FEDERAL FINANCIAL CORP. THE MERGER WAS ACCOUNTED FOR AS A
POOLING OF INTERESTS, HOWEVER THE SIZE OF THE TRANSACTION DOES NOT REQUIRE
RESTATEMENT FOR PRIOR PERIOD AMOUNTS.
</FN>
        

</TABLE>