<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S FINANCIAL STATEMENTS FOR THE YEAR ENDED SEPTEMBER 30, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               SEP-30-1999
<CASH>                                          29,074
<INT-BEARING-DEPOSITS>                           3,488
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,136,528
<INVESTMENTS-CARRYING>                          40,285
<INVESTMENTS-MARKET>                            40,084
<LOANS>                                      1,122,011
<ALLOWANCE>                                      9,356
<TOTAL-ASSETS>                               2,473,356
<DEPOSITS>                                   1,484,303
<SHORT-TERM>                                   588,790
<LIABILITIES-OTHER>                             22,801
<LONG-TERM>                                    245,948
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           146
<OTHER-SE>                                     131,368
<TOTAL-LIABILITIES-AND-EQUITY>               2,473,356
<INTEREST-LOAN>                                 80,467
<INTEREST-INVEST>                               62,438
<INTEREST-OTHER>                                 2,640
<INTEREST-TOTAL>                               145,545
<INTEREST-DEPOSIT>                              57,375
<INTEREST-EXPENSE>                              93,282
<INTEREST-INCOME-NET>                           52,263
<LOAN-LOSSES>                                    1,920
<SECURITIES-GAINS>                               (253)
<EXPENSE-OTHER>                                  8,826
<INCOME-PRETAX>                                 23,066
<INCOME-PRE-EXTRAORDINARY>                      23,066
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,656
<EPS-BASIC>                                       1.78
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    2.51
<LOANS-NON>                                      2,840
<LOANS-PAST>                                       607
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,530
<CHARGE-OFFS>                                      447
<RECOVERIES>                                        50
<ALLOWANCE-CLOSE>                                9,356
<ALLOWANCE-DOMESTIC>                             9,356
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0