<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAR-31-2000
<PERIOD-END> MAR-31-2000
<CASH> $10,155,966
<INT-BEARING-DEPOSITS> 6,303,819
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 108,069,628
<INVESTMENTS-CARRYING> 6,701,343
<INVESTMENTS-MARKET> 5,926,222
<LOANS> 329,382,692
<ALLOWANCE> 2,231,826
<TOTAL-ASSETS> 491,995,334
<DEPOSITS> 355,837,875
<SHORT-TERM> 36,079,872
<LIABILITIES-OTHER> 5,369,533
<LONG-TERM> 50,768,310
0
0
<COMMON> 49,241
<OTHER-SE> 41,390,503
<TOTAL-LIABILITIES-AND-EQUITY> 491,995,334
<INTEREST-LOAN> 25,522,808
<INTEREST-INVEST> 7,440,079
<INTEREST-OTHER> 793,954
<INTEREST-TOTAL> 33,756,841
<INTEREST-DEPOSIT> 15,169,317
<INTEREST-EXPENSE> 20,629,770
<INTEREST-INCOME-NET> 13,127,071
<LOAN-LOSSES> 108,345
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 12,717,262
<INCOME-PRETAX> 3,109,665
<INCOME-PRE-EXTRAORDINARY> 2,193,875
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,193,875
<EPS-BASIC> 0.55
<EPS-DILUTED> 0.54
<YIELD-ACTUAL> 7.31
<LOANS-NON> 612,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 822,000
<ALLOWANCE-OPEN> 2,706,408
<CHARGE-OFFS> 894,278
<RECOVERIES> 124,196
<ALLOWANCE-CLOSE> 2,231,826
<ALLOWANCE-DOMESTIC> 40,236
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,191,590
</TABLE>