<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> OCT-31-1995 <PERIOD-END> APR-30-1995 <CASH> 17,785 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 503,211 <INVESTMENTS-CARRYING> 503,211 <INVESTMENTS-MARKET> 503,211 <LOANS> 345,602 <ALLOWANCE> 0 <TOTAL-ASSETS> 2,041,634 <DEPOSITS> 1,340,188 <SHORT-TERM> 522,503 <LIABILITIES-OTHER> 20,653 <LONG-TERM> 0 <COMMON> 5,191 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 153,099 <TOTAL-LIABILITIES-AND-EQUITY> 2,041,634 <INTEREST-LOAN> 16,500 <INTEREST-INVEST> 54,255 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 70,755 <INTEREST-DEPOSIT> 25,843 <INTEREST-EXPENSE> 41,348 <INTEREST-INCOME-NET> 29,407 <LOAN-LOSSES> 2,000 <SECURITIES-GAINS> 560 <EXPENSE-OTHER> 14,444 <INCOME-PRETAX> 14,263 <INCOME-PRE-EXTRAORDINARY> 9,937 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,937 <EPS-PRIMARY> 1.92 <EPS-DILUTED> 1.90 <YIELD-ACTUAL> 1.50 <LOANS-NON> 20,213 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,720 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,471 <CHARGE-OFFS> 1,821 <RECOVERIES> 828 <ALLOWANCE-CLOSE> 10,478 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,478