<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> OCT-31-1995 <PERIOD-END> OCT-31-1995 <CASH> 15,733 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,445,453 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 209,947 <ALLOWANCE> 2,121 <TOTAL-ASSETS> 1,886,084 <DEPOSITS> 1,339,467 <SHORT-TERM> 225,091 <LIABILITIES-OTHER> 15,132 <LONG-TERM> 111,764 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,218 <OTHER-SE> 189,412 <TOTAL-LIABILITIES-AND-EQUITY> 1,886,084 <INTEREST-LOAN> 33,083 <INTEREST-INVEST> 107,757 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 140,840 <INTEREST-DEPOSIT> 54,887 <INTEREST-EXPENSE> 86,210 <INTEREST-INCOME-NET> 54,630 <LOAN-LOSSES> 3,667 <SECURITIES-GAINS> 25,125 <EXPENSE-OTHER> 31,192 <INCOME-PRETAX> 38,506 <INCOME-PRE-EXTRAORDINARY> 28,346 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 28,346 <EPS-PRIMARY> 5.34 <EPS-DILUTED> 5.33 <YIELD-ACTUAL> 7.11 <LOANS-NON> 5,828 <LOANS-PAST> 0 <LOANS-TROUBLED> 590 <LOANS-PROBLEM> 14,800 <ALLOWANCE-OPEN> 9,471 <CHARGE-OFFS> 12,058 <RECOVERIES> 1,041 <ALLOWANCE-CLOSE> 2,121 <ALLOWANCE-DOMESTIC> 2,121 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0