<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
COMPANY'S UNAUDITED FINANCIAL STATEMENTS FOR THE NINE MONTHS ENDED JUNE 30, 
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               JUN-30-1997
<CASH>                                          33,105
<INT-BEARING-DEPOSITS>                          11,900
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    689,760
<INVESTMENTS-CARRYING>                          72,004
<INVESTMENTS-MARKET>                            70,625
<LOANS>                                        714,349
<ALLOWANCE>                                      5,778
<TOTAL-ASSETS>                               1,644,971
<DEPOSITS>                                   1,054,604
<SHORT-TERM>                                    94,880
<LIABILITIES-OTHER>                             19,456
<LONG-TERM>                                    346,917
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73
<OTHER-SE>                                     129,114
<TOTAL-LIABILITIES-AND-EQUITY>               1,644,971
<INTEREST-LOAN>                                 41,945
<INTEREST-INVEST>                               34,818
<INTEREST-OTHER>                                 2,066
<INTEREST-TOTAL>                                78,829
<INTEREST-DEPOSIT>                              34,149
<INTEREST-EXPENSE>                              50,254
<INTEREST-INCOME-NET>                           28,575
<LOAN-LOSSES>                                      501
<SECURITIES-GAINS>                             (1,012)
<EXPENSE-OTHER>                                  6,214
<INCOME-PRETAX>                                  9,931
<INCOME-PRE-EXTRAORDINARY>                       9,931
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,609
<EPS-PRIMARY>                                    $1.61
<EPS-DILUTED>                                    $1.61
<YIELD-ACTUAL>                                    2.77
<LOANS-NON>                                      2,445
<LOANS-PAST>                                       549
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,217
<CHARGE-OFFS>                                    1,695
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                                5,778
<ALLOWANCE-DOMESTIC>                             5,778
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0