<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1995
<PERIOD-START>                             JUN-30-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       3,337,072
<INT-BEARING-DEPOSITS>                          99,394
<FED-FUNDS-SOLD>                             2,210,144
<TRADING-ASSETS>                             1,253,214
<INVESTMENTS-HELD-FOR-SALE>                  9,347,263
<INVESTMENTS-CARRYING>                       3,561,947
<INVESTMENTS-MARKET>                         3,709,398
<LOANS>                                     62,866,738
<ALLOWANCE>                                  (901,616)
<TOTAL-ASSETS>                              86,834,113
<DEPOSITS>                                  59,815,883
<SHORT-TERM>                                12,940,658
<LIABILITIES-OTHER>                          1,944,473
<LONG-TERM>                                  6,040,639
<COMMON>                                       559,317
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   5,126,133
<TOTAL-LIABILITIES-AND-EQUITY>              86,834,113
<INTEREST-LOAN>                              3,930,778
<INTEREST-INVEST>                              579,535
<INTEREST-OTHER>                               105,533
<INTEREST-TOTAL>                             4,674,374
<INTEREST-DEPOSIT>                           1,514,341
<INTEREST-EXPENSE>                           2,239,387
<INTEREST-INCOME-NET>                        2,434,987
<LOAN-LOSSES>                                  125,500
<SECURITIES-GAINS>                              13,632
<EXPENSE-OTHER>                              2,170,390
<INCOME-PRETAX>                              1,143,613
<INCOME-PRE-EXTRAORDINARY>                     741,061
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   741,061
<EPS-PRIMARY>                                     4.27
<EPS-DILUTED>                                     4.27
<YIELD-ACTUAL>                                    4.52
<LOANS-NON>                                    440,693
<LOANS-PAST>                                   118,018
<LOANS-TROUBLED>                                   606
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               969,122
<CHARGE-OFFS>                                  225,131
<RECOVERIES>                                    68,378
<ALLOWANCE-CLOSE>                              901,616
<ALLOWANCE-DOMESTIC>                           731,423
<ALLOWANCE-FOREIGN>                              3,030
<ALLOWANCE-UNALLOCATED>                        167,163