<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S FORM 10-k FOR THE YEAR ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                          17,604
<INT-BEARING-DEPOSITS>                           4,855
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    579,767
<INVESTMENTS-CARRYING>                          74,607
<INVESTMENTS-MARKET>                            71,647
<LOANS>                                        610,699
<ALLOWANCE>                                      5,217
<TOTAL-ASSETS>                               1,404,116
<DEPOSITS>                                     877,684
<SHORT-TERM>                                     6,511
<LIABILITIES-OTHER>                             26,219
<LONG-TERM>                                    368,523
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73
<OTHER-SE>                                     125,106
<TOTAL-LIABILITIES-AND-EQUITY>               1,404,116
<INTEREST-LOAN>                                 47,512
<INTEREST-INVEST>                               42,492
<INTEREST-OTHER>                                 2,093
<INTEREST-TOTAL>                                92,097
<INTEREST-DEPOSIT>                              37,610
<INTEREST-EXPENSE>                              56,413
<INTEREST-INCOME-NET>                           35,684
<LOAN-LOSSES>                                    1,300
<SECURITIES-GAINS>                               3,311
<EXPENSE-OTHER>                                  6,603
<INCOME-PRETAX>                                 13,376
<INCOME-PRE-EXTRAORDINARY>                      10,465
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,465
<EPS-PRIMARY>                                     1.82
<EPS-DILUTED>                                     1.82
<YIELD-ACTUAL>                                    2.97
<LOANS-NON>                                      3,890
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,076
<CHARGE-OFFS>                                    1,300
<RECOVERIES>                                       159
<ALLOWANCE-CLOSE>                                5,217
<ALLOWANCE-DOMESTIC>                             5,217
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0