<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FOURTH
QUARTER/ FISCAL YEAR END 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                                     
<PERIOD-TYPE>                           YEAR
<FISCAL-YEAR-END>                       SEP-30-1996
<PERIOD-END>                            SEP-30-1996
<CASH>                                        6,842
<INT-BEARING-DEPOSITS>                            0
<FED-FUNDS-SOLD>                              9,338
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                 150,096
<INVESTMENTS-CARRYING>                       16,610
<INVESTMENTS-MARKET>                         16,596
<LOANS>                                     473,556
<ALLOWANCE>                                     928
<TOTAL-ASSETS>                              671,969
<DEPOSITS>                                  399,673
<SHORT-TERM>                                 79,904
<LIABILITIES-OTHER>                          13,981
<LONG-TERM>                                  25,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        116
<OTHER-SE>                                  153,295
<TOTAL-LIABILITIES-AND-EQUITY>              671,969
<INTEREST-LOAN>                              35,262
<INTEREST-INVEST>                             8,867
<INTEREST-OTHER>                              1,520
<INTEREST-TOTAL>                             45,649
<INTEREST-DEPOSIT>                           20,251
<INTEREST-EXPENSE>                           23,287
<INTEREST-INCOME-NET>                        22,363
<LOAN-LOSSES>                                   120
<SECURITIES-GAINS>                           (1,643)
<EXPENSE-OTHER>                              10,600
<INCOME-PRETAX>                              10,522
<INCOME-PRE-EXTRAORDINARY>                   10,522
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  6,110
<EPS-PRIMARY>                                   .56
<EPS-DILUTED>                                   .56
<YIELD-ACTUAL>                                 2.22
<LOANS-NON>                                     191
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                 79
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                                808
<CHARGE-OFFS>                                     0
<RECOVERIES>                                      0
<ALLOWANCE-CLOSE>                               928
<ALLOWANCE-DOMESTIC>                              0
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                         928