<TABLE> <S> <C>



<ARTICLE> 9
<LEGEND>
                                                                   EXHIBIT 27.0
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-START>                             APR-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          16,128
<INT-BEARING-DEPOSITS>                          17,870
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   100
<INVESTMENTS-HELD-FOR-SALE>                    322,291
<INVESTMENTS-CARRYING>                          22,331
<INVESTMENTS-MARKET>                            22,645
<LOANS>                                        807,468<F1>
<ALLOWANCE>                                     11,435
<TOTAL-ASSETS>                               1,292,730
<DEPOSITS>                                     666,682
<SHORT-TERM>                                   211,041
<LIABILITIES-OTHER>                             25,481
<LONG-TERM>                                    278,332
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            87
<OTHER-SE>                                     111,107
<TOTAL-LIABILITIES-AND-EQUITY>               1,292,730
<INTEREST-LOAN>                                 33,600
<INTEREST-INVEST>                                8,624
<INTEREST-OTHER>                                   669
<INTEREST-TOTAL>                                42,893
<INTEREST-DEPOSIT>                              14,728
<INTEREST-EXPENSE>                              27,813
<INTEREST-INCOME-NET>                           15,080
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                 12,387
<INCOME-PRETAX>                                  5,150
<INCOME-PRE-EXTRAORDINARY>                       5,150
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,357
<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    2.47
<LOANS-NON>                                      3,142
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,574
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,937
<CHARGE-OFFS>                                      108
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                               11,435
<ALLOWANCE-DOMESTIC>                            11,435
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,089
<FN>
<F1>LOANS HELD TO MATURITY
</FN>
        

</TABLE>