<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
COMPANYS UNAUDITED FINANCIAL STATEMENTS FOR THE NINE MONTHS ENDED JUNE 30, 1998
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-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                          22,228
<INT-BEARING-DEPOSITS>                          28,287
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    656,631
<INVESTMENTS-CARRYING>                          67,095
<INVESTMENTS-MARKET>                            67,322
<LOANS>                                        829,359
<ALLOWANCE>                                      7,378
<TOTAL-ASSETS>                               1,754,803
<DEPOSITS>                                   1,129,445
<SHORT-TERM>                                   385,111
<LIABILITIES-OTHER>                             17,272
<LONG-TERM>                                     92,009
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73
<OTHER-SE>                                     130,893
<TOTAL-LIABILITIES-AND-EQUITY>               1,754,803
<INTEREST-LOAN>                                 49,551
<INTEREST-INVEST>                               35,205
<INTEREST-OTHER>                                 1,953
<INTEREST-TOTAL>                                86,709
<INTEREST-DEPOSIT>                              38,584
<INTEREST-EXPENSE>                              55,907
<INTEREST-INCOME-NET>                           30,802
<LOAN-LOSSES>                                    2,000
<SECURITIES-GAINS>                               1,108
<EXPENSE-OTHER>                                  7,314
<INCOME-PRETAX>                                 11,997
<INCOME-PRE-EXTRAORDINARY>                      11,997
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,935
<EPS-PRIMARY>                                     2.22
<EPS-DILUTED>                                     2.09
<YIELD-ACTUAL>                                    2.70
<LOANS-NON>                                      3,035
<LOANS-PAST>                                       201
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,202
<CHARGE-OFFS>                                    (848)
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                7,378
<ALLOWANCE-DOMESTIC>                             7,378
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0