<TABLE> <S> <C>

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


<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                            JUN-30-2000
<PERIOD-START>                               JUL-01-1999
<PERIOD-END>                                 DEC-31-1999
<CASH>                                            37,819
<INT-BEARING-DEPOSITS>                             9,634
<FED-FUNDS-SOLD>                                     900
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                    1,080,699
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                        1,550,930
<ALLOWANCE>                                       14,396
<TOTAL-ASSETS>                                 2,890,935
<DEPOSITS>                                     1,677,328
<SHORT-TERM>                                     206,100
<LIABILITIES-OTHER>                               10,302
<LONG-TERM>                                      655,432
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             327
<OTHER-SE>                                       341,446
<TOTAL-LIABILITIES-AND-EQUITY>                 2,890,935
<INTEREST-LOAN>                                   54,093
<INTEREST-INVEST>                                 40,852
<INTEREST-OTHER>                                     247
<INTEREST-TOTAL>                                  95,192
<INTEREST-DEPOSIT>                                25,927
<INTEREST-EXPENSE>                                47,342
<INTEREST-INCOME-NET>                             47,850
<LOAN-LOSSES>                                        600
<SECURITIES-GAINS>                                   710
<EXPENSE-OTHER>                                   26,055
<INCOME-PRETAX>                                   28,571
<INCOME-PRE-EXTRAORDINARY>                        28,571
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      18,137
<EPS-BASIC>                                          .65
<EPS-DILUTED>                                        .65
<YIELD-ACTUAL>                                      7.17
<LOANS-NON>                                        6,361
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                  13,885
<CHARGE-OFFS>                                        145
<RECOVERIES>                                          56
<ALLOWANCE-CLOSE>                                 14,396
<ALLOWANCE-DOMESTIC>                               8,481
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            5,915



</TABLE>