<ARTICLE>                                                                 9
<MULTIPLIER>                                                          1,000

                                                                            
<PERIOD-TYPE>                                                                        9-MOS
<FISCAL-YEAR-END>                                                              SEP-30-1999
<PERIOD-END>                                                                   SEP-30-1999
<CASH>                                                                              82,205
<INT-BEARING-DEPOSITS>                                                                 104
<FED-FUNDS-SOLD>                                                                    70,311
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                        231,639
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<INVESTMENTS-MARKET>                                                               425,847
<LOANS>                                                                            796,606
<ALLOWANCE>                                                                          8,876
<TOTAL-ASSETS>                                                                   1,687,475
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<SHORT-TERM>                                                                        14,300
<LIABILITIES-OTHER>                                                                 12,941
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            99,665
<OTHER-SE>                                                                          76,936
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<INTEREST-LOAN>                                                                     50,956
<INTEREST-INVEST>                                                                   27,412
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<INTEREST-TOTAL>                                                                    81,860
<INTEREST-DEPOSIT>                                                                  32,093
<INTEREST-EXPENSE>                                                                  32,215
<INTEREST-INCOME-NET>                                                               49,645
<LOAN-LOSSES>                                                                        1,264
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     38,863
<INCOME-PRETAX>                                                                     18,320
<INCOME-PRE-EXTRAORDINARY>                                                          19,132
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                        19,132
<EPS-BASIC>                                                                            1.92
<EPS-DILUTED>                                                                            1.91
<YIELD-ACTUAL>                                                                           4.54
<LOANS-NON>                                                                          2,032
<LOANS-PAST>                                                                            37
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        484
<ALLOWANCE-OPEN>                                                                     8,988
<CHARGE-OFFS>                                                                        2,613
<RECOVERIES>                                                                         1,237
<ALLOWANCE-CLOSE>                                                                    8,876
<ALLOWANCE-DOMESTIC>                                                                 8,876
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0