<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1994
<PERIOD-END>                               MAR-30-1995
<CASH>                                          29,354
<INT-BEARING-DEPOSITS>                             271
<FED-FUNDS-SOLD>                                14,347
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    124,824
<INVESTMENTS-CARRYING>                         168,327
<INVESTMENTS-MARKET>                           164,465
<LOANS>                                        409,136
<ALLOWANCE>                                    (6,119)
<TOTAL-ASSETS>                                 776,296
<DEPOSITS>                                     649,097
<SHORT-TERM>                                    50,535
<LIABILITIES-OTHER>                              3,282
<LONG-TERM>                                      3,173
<COMMON>                                         4,298
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      65,911
<TOTAL-LIABILITIES-AND-EQUITY>                 776,296
<INTEREST-LOAN>                                  8,756
<INTEREST-INVEST>                                4,298
<INTEREST-OTHER>                                    89
<INTEREST-TOTAL>                                13,143
<INTEREST-DEPOSIT>                               5,250
<INTEREST-EXPENSE>                               6,092
<INTEREST-INCOME-NET>                            7,051
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (6)
<EXPENSE-OTHER>                                  5,091
<INCOME-PRETAX>                                  2,992
<INCOME-PRE-EXTRAORDINARY>                       2,992
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,103
<EPS-PRIMARY>                                     0.49
<EPS-DILUTED>                                     0.49<F1>
<YIELD-ACTUAL>                                    3.52
<LOANS-NON>                                        758
<LOANS-PAST>                                       563
<LOANS-TROUBLED>                                    42
<LOANS-PROBLEM>                                 13,585
<ALLOWANCE-OPEN>                                 6,108
<CHARGE-OFFS>                                     (95)
<RECOVERIES>                                       106
<ALLOWANCE-CLOSE>                                6,119
<ALLOWANCE-DOMESTIC>                             2,493
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,626
<FN>
<F1>All per share data have been adjusted to reflect a 2 for 1 stock split
declared March 29, 1995.
</FN>