WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>     9
<MULTIPLIER>  1,000
       
<S>                                          <C>                   <C>
<PERIOD-TYPE>                                3-MOS                 YEAR
<FISCAL-YEAR-END>                                                  JUN-30-1998
<PERIOD-END>                                                       JUN-30-1998
<CASH>                                                               5,282,581
<INT-BEARING-DEPOSITS>                                                   8,921
<FED-FUNDS-SOLD>                                                    13,000,000
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                         63,657,475
<INVESTMENTS-CARRYING>                                              23,774,239
<INVESTMENTS-MARKET>                                                24,468,113
<LOANS>                                                            123,542,249
<ALLOWANCE>                                                          1,547,483
<TOTAL-ASSETS>                                                     236,050,251
<DEPOSITS>                                                         192,800,153
<SHORT-TERM>                                                        11,916,792
<LIABILITIES-OTHER>                                                    753,939
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                             4,000,000
<OTHER-SE>                                                          26,579,367
<TOTAL-LIABILITIES-AND-EQUITY>                                     236,050,251
<INTEREST-LOAN>                              2,707,350               5,368,214
<INTEREST-INVEST>                            1,306,547               2,640,699
<INTEREST-OTHER>                               173,307                 262,015
<INTEREST-TOTAL>                             4,187,204               8,270,928
<INTEREST-DEPOSIT>                           1,854,226               3,602,226
<INTEREST-EXPENSE>                           1,985,661               3,815,351
<INTEREST-INCOME-NET>                        2,201,543               4,455,577
<LOAN-LOSSES>                                   60,000                 120,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,268,296               2,565,813
<INCOME-PRETAX>                              1,109,757               2,225,318
<INCOME-PRE-EXTRAORDINARY>                     784,440               1,570,079
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   784,440               1,570,079
<EPS-PRIMARY>                                     0.49                    0.98
<EPS-DILUTED>                                     0.49                    0.98
<YIELD-ACTUAL>                                                            4.12
<LOANS-NON>                                                            256,640
<LOANS-PAST>                                                           304,984
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                     1,491,736
<CHARGE-OFFS>                                                           71,844
<RECOVERIES>                                                             7,591
<ALLOWANCE-CLOSE>                                                    1,547,483
<ALLOWANCE-DOMESTIC>                                                 1,440,690
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                106,793
        


</TABLE>