<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
COMPANY'S UNAUDITED FINANCIAL STATEMENTS FOR THE NINE MONTHS ENDED JUNE 30,
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B) FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                          18,881
<INT-BEARING-DEPOSITS>                           3,914
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    573,638
<INVESTMENTS-CARRYING>                          74,704
<INVESTMENTS-MARKET>                            70,830
<LOANS>                                        572,736
<ALLOWANCE>                                      4,259
<TOTAL-ASSETS>                               1,329,903
<DEPOSITS>                                     826,895
<SHORT-TERM>                                    29,858
<LIABILITIES-OTHER>                             16,477
<LONG-TERM>                                    326,017
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73
<OTHER-SE>                                     130,583
<TOTAL-LIABILITIES-AND-EQUITY>               1,329,903
<INTEREST-LOAN>                                 34,796
<INTEREST-INVEST>                               31,382
<INTEREST-OTHER>                                 1,702
<INTEREST-TOTAL>                                67,880
<INTEREST-DEPOSIT>                              27,387
<INTEREST-EXPENSE>                              41,334
<INTEREST-INCOME-NET>                           26,546
<LOAN-LOSSES>                                      222
<SECURITIES-GAINS>                               3,276
<EXPENSE-OTHER>                                  4,775
<INCOME-PRETAX>                                 15,163
<INCOME-PRE-EXTRAORDINARY>                      10,895
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,895
<EPS-PRIMARY>                                     1.86
<EPS-DILUTED>                                     1.86
<YIELD-ACTUAL>                                    7.69
<LOANS-NON>                                      3,531
<LOANS-PAST>                                         8
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,076
<CHARGE-OFFS>                                       67
<RECOVERIES>                                        28
<ALLOWANCE-CLOSE>                                4,259
<ALLOWANCE-DOMESTIC>                             4,259
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0