<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM  THE
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION FOR THE PERIOD ENDED JUNE 30, 1997
AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE PERIOD ENDED JUNE 30, 1997
AND IS QUALIFIED IN ITS ENTIRETY BY THE REFERENCE TO SUCH FINANCIAL STATEMENTS
FILED WITH FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1997.
</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>                                          20,069
<INT-BEARING-DEPOSITS>                          44,749
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    182,834
<INVESTMENTS-CARRYING>                         236,139
<INVESTMENTS-MARKET>                           238,480
<LOANS>                                      1,126,314
<ALLOWANCE>                                      6,755
<TOTAL-ASSETS>                               1,666,396
<DEPOSITS>                                   1,227,277
<SHORT-TERM>                                   185,000
<LIABILITIES-OTHER>                             27,680
<LONG-TERM>                                    109,825
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            55
<OTHER-SE>                                     109,440
<TOTAL-LIABILITIES-AND-EQUITY>               1,666,396
<INTEREST-LOAN>                                 65,006
<INTEREST-INVEST>                               19,292
<INTEREST-OTHER>                                   639
<INTEREST-TOTAL>                                84,937
<INTEREST-DEPOSIT>                              42,506
<INTEREST-EXPENSE>                              51,841
<INTEREST-INCOME-NET>                           33,096
<LOAN-LOSSES>                                    2,200
<SECURITIES-GAINS>                               1,246
<EXPENSE-OTHER>                                 25,351
<INCOME-PRETAX>                                 11,538
<INCOME-PRE-EXTRAORDINARY>                       6,901
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,901
<EPS-PRIMARY>                                     1.38
<EPS-DILUTED>                                     1.36
<YIELD-ACTUAL>                                    3.03
<LOANS-NON>                                     10,637
<LOANS-PAST>                                       380
<LOANS-TROUBLED>                                 7,943
<LOANS-PROBLEM>                                  3,643
<ALLOWANCE-OPEN>                                11,855
<CHARGE-OFFS>                                    8,804
<RECOVERIES>                                     1,504
<ALLOWANCE-CLOSE>                                6,755
<ALLOWANCE-DOMESTIC>                             6,755
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0