<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Company's financial statements for the year ended September 30, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               SEP-30-1998
<CASH>                                           23861
<INT-BEARING-DEPOSITS>                            6885
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     743064
<INVESTMENTS-CARRYING>                           64904
<INVESTMENTS-MARKET>                             65372
<LOANS>                                         878996
<ALLOWANCE>                                       7530
<TOTAL-ASSETS>                                 1864176
<DEPOSITS>                                     1216874
<SHORT-TERM>                                    417672
<LIABILITIES-OTHER>                              21080
<LONG-TERM>                                      87005
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73
<OTHER-SE>                                      121472
<TOTAL-LIABILITIES-AND-EQUITY>                 1864176
<INTEREST-LOAN>                                  67729
<INTEREST-INVEST>                                47489
<INTEREST-OTHER>                                  2691
<INTEREST-TOTAL>                                117909
<INTEREST-DEPOSIT>                               52258
<INTEREST-EXPENSE>                               76063
<INTEREST-INCOME-NET>                            41846
<LOAN-LOSSES>                                     2300
<SECURITIES-GAINS>                                1243
<EXPENSE-OTHER>                                   9552
<INCOME-PRETAX>                                  16623
<INCOME-PRE-EXTRAORDINARY>                       16623
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     14797
<EPS-PRIMARY>                                     3.03
<EPS-DILUTED>                                     2.85
<YIELD-ACTUAL>                                    2.68
<LOANS-NON>                                       2861
<LOANS-PAST>                                       717
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  6202
<CHARGE-OFFS>                                      999
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                 7530
<ALLOWANCE-DOMESTIC>                              7530
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0