1

                                                                   Exhibit 3.6



  Effective October 25, 1993, 2, the last sentence of Section I, Article III of
the Bylaws of St. Paul Bancorp, Inc. was amended in its entirety to read as
follows:

  "Each director is required to beneficially own not less than 1,000 shares of
  the common stock of the Corporation, unless and to the extent that such
  requirement is waived or modified, with respect to any individual director,
  by the affirmative vote of at least two-thirds of the other directors then in
  office."