<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
THIRD QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                                     
<PERIOD-START>                          OCT-01-1995
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                       SEP-30-1996
<PERIOD-END>                            JUN-30-1996
<CASH>                                        2,651
<INT-BEARING-DEPOSITS>                            0
<FED-FUNDS-SOLD>                              9,320
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                 130,309
<INVESTMENTS-CARRYING>                       16,807
<INVESTMENTS-MARKET>                         16,331
<LOANS>                                     455,544
<ALLOWANCE>                                     898
<TOTAL-ASSETS>                              629,943
<DEPOSITS>                                  393,982
<SHORT-TERM>                                  7,034
<LIABILITIES-OTHER>                           9,122
<LONG-TERM>                                  58,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        122
<OTHER-SE>                                  161,682
<TOTAL-LIABILITIES-AND-EQUITY>              629,943
<INTEREST-LOAN>                              25,857
<INTEREST-INVEST>                             6,270
<INTEREST-OTHER>                              1,374
<INTEREST-TOTAL>                             33,501
<INTEREST-DEPOSIT>                           15,172
<INTEREST-EXPENSE>                           16,973
<INTEREST-INCOME-NET>                        16,528
<LOAN-LOSSES>                                    90
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                               5,647
<INCOME-PRETAX>                              11,063
<INCOME-PRE-EXTRAORDINARY>                    7,060
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  7,060
<EPS-PRIMARY>                                   .22
<EPS-DILUTED>                                   .22
<YIELD-ACTUAL>                                 3.65
<LOANS-NON>                                     302
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                 17
<LOANS-PROBLEM>                                 213
<ALLOWANCE-OPEN>                                808
<CHARGE-OFFS>                                     0
<RECOVERIES>                                      0
<ALLOWANCE-CLOSE>                               898
<ALLOWANCE-DOMESTIC>                              0
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                         898