(Mark one)
x		QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934   For the quarter ended September 30, 2002   or
¨		TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Delaware		36-3664868
(State of Incorporation)		(I.R.S. Employer
		Identification No.)

55th Street & Holmes Avenue
Clarendon Hills, Illinois		60514
(Address of Principal Executive Offices)		(Zip Code)

Part I.		Financial Information		Page
Item 1.		Financial Statements
		Consolidated Statements of Financial Condition as of September 30, 2002 and December 31, 2001 (unaudited)		3
		Consolidated Statements of Operations for the Three and Nine Months Ended September 30, 2002 and 2001 (unaudited)		4
		Consolidated Statement of Changes in Stockholders’ Equity for the Nine Months Ended September 30, 2002 (unaudited)		5
		Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2002 and 2001 (unaudited)		6
		Notes to Unaudited Consolidated Financial Statements (unaudited)		8
Item 2.		Management’s Discussion and Analysis of Financial Condition and Results of Operations		15
Item 3.		Quantitative and Qualitative Disclosures About Market Risk		36
Item 4.		Controls and Procedures		36
Part II.		Other Information
Item 1.		Legal Proceedings		36
Item 2.		Changes in Securities		36
Item 3.		Defaults Upon Senior Securities		36
Item 4.		Submission of Matters to a Vote of Security Holders		36
Item 5.		Other Information		36
Item 6.		Exhibits and Reports on Form 8-K		36
		Signature Page		38
		Certifications for Principal Financial Officer and Principal Executive Officer		39

		September 30, 2002				December 31, 2001
Assets
Cash and due from banks		$	117,545			82,540
Interest-bearing deposits			41,790			29,367
Federal funds sold			61,306			112,765
Total cash and cash equivalents			220,641			224,672
Investment securities available for sale, at fair value			337,129			355,461
Stock in Federal Home Loan Bank of Chicago, at cost			167,596			132,081
Mortgage-backed securities available for sale, at fair value			283,162			142,158
Loans receivable held for sale			132,899			161,105
Loans receivable, net of allowance for losses of $19,458 and $19,607			4,454,327			4,286,470
Accrued interest receivable			28,594			28,761
Foreclosed real estate			474			1,405
Real estate held for development or sale			10,834			12,993
Premises and equipment, net			70,607			63,815
Other assets			94,375			80,448
Goodwill, net of accumulated amortization of $12,970 and $12,480			94,307			96,851
Core deposit intangibles, net of accumulated amortization of $8,369 and $7,128			7,578			8,819
		$	5,902,523			5,595,039
Liabilities and Stockholders’ Equity
Liabilities:
Deposits		$	3,697,269			3,557,997
Borrowed funds			1,590,500			1,470,500
Advances by borrowers for taxes and insurance			36,696			38,484
Accrued expenses and other liabilities			95,920			92,185
Total liabilities			5,420,385			5,159,166
Stockholders’ equity:
Preferred stock, $.01 par value; authorized 5,000,000 shares; none outstanding			—			—
Common stock, $.01 par value; authorized 80,000,000 shares; 25,420,650 shares issued; 23,244,936 and 22,982,634 shares outstanding			254			254
Additional paid-in capital			204,654			201,468
Retained earnings, substantially restricted			326,145			286,742
Stock in gain deferral plan; 223,453 shares			511			511
Accumulated other comprehensive income			2,791			3,672
Treasury stock, at cost; 2,399,167 and 2,661,469 shares			(52,217	)		(56,774	)
Total stockholders’ equity			482,138			435,873
		$	5,902,523			5,595,039

		Three Months Ended September 30,							Nine Months Ended September 30,
		2002				2001			2002			2001
Interest income:
Loans receivable		$	72,556			74,989			216,124			233,259
Mortgage-backed securities available for sale			3,095			1,962			8,375			5,272
Investment securities available for sale			6,177			6,354			18,115			16,917
Interest-bearing deposits and federal funds sold			1,138			1,996			3,790			6,907
Total interest income			82,966			85,301			246,404			262,355
Interest expense:
Deposits			21,713			30,166			71,477			93,313
Borrowed funds			20,313			22,844			59,886			72,402
Total interest expense			42,026			53,010			131,363			165,715
Net interest income			40,940			32,291			115,041			96,640
Provision for loan losses			—			—			—			—
Net interest income after provision for loan losses			40,940			32,291			115,041			96,640
Non-interest income:
Gain (loss) on sale of:
Loans receivable held for sale			3,899			2,678			8,901			5,275
Mortgage-backed securities			—			(2	)		39			(2	)
Investment securities			2,049			264			3,031			824
Foreclosed real estate			5			30			156			352
Income from real estate operations			3,791			799			6,848			5,469
Deposit account service charges			5,865			4,230			16,216			11,763
Loan servicing fee income (expense)			(836	)		118			(739	)		7
Impairment of mortgage servicing rights			(1,160	)		(539	)		(1,650	)		(754	)
Brokerage commissions			678			512			1,923			1,694
Other			2,363			2,002			7,197			5,824
Total non-interest income			16,654			10,092			41,922			30,452
Non-interest expense:
Compensation and benefits			14,708			12,173			43,653			35,218
Office occupancy and equipment			2,940			2,169			8,608			6,603
Advertising and promotion			1,173			1,051			3,722			3,398
Data processing			926			788			2,772			2,298
Federal deposit insurance premiums			161			155			508			457
Other			5,125			3,268			12,804			9,544
Amortization of goodwill			164			811			490			2,433
Amortization of core deposit intangibles			408			319			1,241			978