<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
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-START>                             APR-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          23,917
<INT-BEARING-DEPOSITS>                          29,143
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   100
<INVESTMENTS-HELD-FOR-SALE>                    373,891
<INVESTMENTS-CARRYING>                          20,155
<INVESTMENTS-MARKET>                            20,355
<LOANS>                                        786,514<F1>
<ALLOWANCE>                                     11,737
<TOTAL-ASSETS>                               1,438,152
<DEPOSITS>                                     664,437
<SHORT-TERM>                                   366,269
<LIABILITIES-OTHER>                             25,481
<LONG-TERM>                                    265,254
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            87
<OTHER-SE>                                     105,566
<TOTAL-LIABILITIES-AND-EQUITY>               1,438,152
<INTEREST-LOAN>                                 49,586
<INTEREST-INVEST>                               13,990
<INTEREST-OTHER>                                 1,082
<INTEREST-TOTAL>                                64,658
<INTEREST-DEPOSIT>                              21,282
<INTEREST-EXPENSE>                              42,048
<INTEREST-INCOME-NET>                           22,610
<LOAN-LOSSES>                                      900
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                 18,567
<INCOME-PRETAX>                                  8,362
<INCOME-PRE-EXTRAORDINARY>                       8,362
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,817
<EPS-PRIMARY>                                      .77
<EPS-DILUTED>                                      .77
<YIELD-ACTUAL>                                    2.43
<LOANS-NON>                                      2,830
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,306
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,937
<CHARGE-OFFS>                                      116
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                               11,737
<ALLOWANCE-DOMESTIC>                            11,737
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,298
<FN>
<F1>LOANS HELD TO MATURITY
</FN>
        

</TABLE>