<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> OCT-31-1995 <PERIOD-END> JUL-31-1995 <CASH> 17,194 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,005 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 506,481 <INVESTMENTS-CARRYING> 506,481 <INVESTMENTS-MARKET> 506,481 <LOANS> 335,254 <ALLOWANCE> 20,551 <TOTAL-ASSETS> 2,086,498 <DEPOSITS> 1,336,312 <SHORT-TERM> 508,376 <LIABILITIES-OTHER> 61,983 <LONG-TERM> 0 <COMMON> 5,218 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 174,609 <TOTAL-LIABILITIES-AND-EQUITY> 2,086,498 <INTEREST-LOAN> 25,135 <INTEREST-INVEST> 81,194 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 106,329 <INTEREST-DEPOSIT> 40,143 <INTEREST-EXPENSE> 63,707 <INTEREST-INCOME-NET> 42,622 <LOAN-LOSSES> 3,000 <SECURITIES-GAINS> 3,985 <EXPENSE-OTHER> 22,363 <INCOME-PRETAX> 20,573 <INCOME-PRE-EXTRAORDINARY> 14,409 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 14,409 <EPS-PRIMARY> 2.76 <EPS-DILUTED> 2.71 <YIELD-ACTUAL> 1.78 <LOANS-NON> 17,082 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,468 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,471 <CHARGE-OFFS> 1,391 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 11,080 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 11,080