<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-END> SEP-30-2000 <CASH> 4,097,894 <INT-BEARING-DEPOSITS> 131,083 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,531,781 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 221,211,660 <ALLOWANCE> 963,293 <TOTAL-ASSETS> 276,368,184 <DEPOSITS> 167,244,625 <SHORT-TERM> 54,913,331 <LIABILITIES-OTHER> 1,542,053 <LONG-TERM> 30,000,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,211 <OTHER-SE> 22,642,964 <TOTAL-LIABILITIES-AND-EQUITY> 276,368,184 <INTEREST-LOAN> 4,612,489 <INTEREST-INVEST> 791,553 <INTEREST-OTHER> 15,981 <INTEREST-TOTAL> 5,420,023 <INTEREST-DEPOSIT> 2,243,056 <INTEREST-EXPENSE> 3,636,366 <INTEREST-INCOME-NET> 1,783,657 <LOAN-LOSSES> 120,000 <SECURITIES-GAINS> (876) <EXPENSE-OTHER> 1,239,072 <INCOME-PRETAX> 538,630 <INCOME-PRE-EXTRAORDINARY> 538,630 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 347,330 <EPS-BASIC> .15 <EPS-DILUTED> .15 <YIELD-ACTUAL> 8.21 <LOANS-NON> 277,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 843,928 <CHARGE-OFFS> 635 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 963,293 <ALLOWANCE-DOMESTIC> 855,738 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 107,555