<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S UNAUDITED FINANCIAL STATEMENTS FOR THE SIX MONTHS ENDED MARCH 31, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>  1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-START>                             OCT-01-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                          16,303
<INT-BEARING-DEPOSITS>                          15,845
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    563,528
<INVESTMENTS-CARRYING>                          74,851
<INVESTMENTS-MARKET>                            72,895
<LOANS>                                        546,050
<ALLOWANCE>                                      4,204
<TOTAL-ASSETS>                               1,295,580
<DEPOSITS>                                     806,398
<SHORT-TERM>                                    21,000
<LIABILITIES-OTHER>                             12,003
<LONG-TERM>                                    321,017
<COMMON>                                            73
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     135,089
<TOTAL-LIABILITIES-AND-EQUITY>               1,295,580
<INTEREST-LOAN>                                 22,840
<INTEREST-INVEST>                               20,602
<INTEREST-OTHER>                                 1,185
<INTEREST-TOTAL>                                44,627
<INTEREST-DEPOSIT>                              17,777
<INTEREST-EXPENSE>                              27,086
<INTEREST-INCOME-NET>                           17,541
<LOAN-LOSSES>                                      144
<SECURITIES-GAINS>                               3,277
<EXPENSE-OTHER>                                  3,109
<INCOME-PRETAX>                                 11,936
<INCOME-PRE-EXTRAORDINARY>                       8,351
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,351
<EPS-PRIMARY>                                     1.41
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    7.73
<LOANS-NON>                                        399
<LOANS-PAST>                                       478
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,076
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                4,204
<ALLOWANCE-DOMESTIC>                             4,204
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0