<ARTICLE> 9
<RESTATED> 
       
                                                  
<PERIOD-TYPE>                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1994             SEP-30-1994
<PERIOD-END>                               JUN-30-1994             SEP-30-1994
<CASH>                                       2,809,958               3,212,888
<INT-BEARING-DEPOSITS>                       1,387,532                 632,206
<FED-FUNDS-SOLD>                             1,909,486               1,771,643
<TRADING-ASSETS>                               933,011               1,303,453
<INVESTMENTS-HELD-FOR-SALE>                  9,709,341               8,226,530
<INVESTMENTS-CARRYING>                       2,995,102               3,179,763
<INVESTMENTS-MARKET>                         3,104,804               3,269,641
<LOANS>                                     49,252,202              52,174,944
<ALLOWANCE>                                (1,007,839)             (1,004,298)
<TOTAL-ASSETS>                              72,604,401              74,243,118
<DEPOSITS>                                  53,772,260              53,687,051
<SHORT-TERM>                                 8,959,378               9,988,596
<LIABILITIES-OTHER>                          1,260,203               1,541,549
<LONG-TERM>                                  3,129,444               3,269,363
<COMMON>                                       575,989                 585,948
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                     31,592                  31,592
<OTHER-SE>                                   4,781,000               5,005,091
<TOTAL-LIABILITIES-AND-EQUITY>              72,604,401              74,243,118
<INTEREST-LOAN>                              1,945,762               3,022,845
<INTEREST-INVEST>                              389,725                 580,314
<INTEREST-OTHER>                                38,558                  63,464
<INTEREST-TOTAL>                             2,397,814               3,705,191
<INTEREST-DEPOSIT>                             651,866               1,020,284
<INTEREST-EXPENSE>                             919,916               1,450,774
<INTEREST-INCOME-NET>                        1,477,898               2,254,417
<LOAN-LOSSES>                                   50,000                  75,000
<SECURITIES-GAINS>                               2,674                   2,014
<EXPENSE-OTHER>                              1,291,061               1,973,280
<INCOME-PRETAX>                                691,303               1,063,202
<INCOME-PRE-EXTRAORDINARY>                     452,079                 693,831
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   452,079                 693,831
<EPS-PRIMARY>                                     2.59                    3.94
<EPS-DILUTED>                                     2.59                    3.94
<YIELD-ACTUAL>                                    4.78                    4.84
<LOANS-NON>                                    523,291                 494,742
<LOANS-PAST>                                    85,948                 115,903
<LOANS-TROUBLED>                                 2,730                     674
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             1,020,191               1,020,191
<CHARGE-OFFS>                                  110,584                 182,704
<RECOVERIES>                                    47,623                  72,587
<ALLOWANCE-CLOSE>                            1,007,839               1,004,298
<ALLOWANCE-DOMESTIC>                           637,300                 695,972
<ALLOWANCE-FOREIGN>                                  0                   3,172
<ALLOWANCE-UNALLOCATED>                        370,539                 305,154