<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION ON MARCH 31, 1996 AND
SEPTEMBER 30, 1995; CONSOLIDATED STATEMENTS OF OPERATIONS FOR THE THREE AND
SIX MONTHS ENDED MARCH 31, 1996 AND 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FORM 10-Q QUARTER ENDED MARCH 31, 1996.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          21,143
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    556,746
<INVESTMENTS-CARRYING>                         693,666
<INVESTMENTS-MARKET>                           741,556
<LOANS>                                      3,471,535
<ALLOWANCE>                                     12,168
<TOTAL-ASSETS>                               4,928,989
<DEPOSITS>                                   2,496,584
<SHORT-TERM>                                 1,494,402
<LIABILITIES-OTHER>                             79,904
<LONG-TERM>                                    260,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       422,225
<OTHER-SE>                                     175,874
<TOTAL-LIABILITIES-AND-EQUITY>               4,928,989
<INTEREST-LOAN>                                 75,065
<INTEREST-INVEST>                               25,019
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               100,084
<INTEREST-DEPOSIT>                              33,325
<INTEREST-EXPENSE>                              23,606
<INTEREST-INCOME-NET>                           43,153
<LOAN-LOSSES>                                      301
<SECURITIES-GAINS>                                 208
<EXPENSE-OTHER>                                  9,602
<INCOME-PRETAX>                                 34,509
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    21,809
<EPS-PRIMARY>                                      .51
<EPS-DILUTED>                                      .51
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                     13,971
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                11,161
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,033
<CHARGE-OFFS>                                      166
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               12,168
<ALLOWANCE-DOMESTIC>                             5,195
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,973