<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                                                  
<PERIOD-TYPE>                   YEAR                   4-MOS
<FISCAL-YEAR-END>                          OCT-31-1997             OCT-31-1998
<PERIOD-START>                             NOV-01-1996             NOV-01-1997
<PERIOD-END>                               OCT-31-1997             FEB-28-1998
<EXCHANGE-RATE>                                      1                       1
<CASH>                                          25,611                  27,282
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 7,150                  15,973
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    214,472                 210,207
<INVESTMENTS-CARRYING>                          12,633                  12,322
<INVESTMENTS-MARKET>                            12,694                  12,387
<LOANS>                                        824,474                 854,904
<ALLOWANCE>                                     10,642                  10,747
<TOTAL-ASSETS>                               1,106,590               1,143,559
<DEPOSITS>                                     937,948                 951,449
<SHORT-TERM>                                     9,697                  11,382
<LIABILITIES-OTHER>                              9,798                  10,439
<LONG-TERM>                                     51,006                  67,171
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      98,141                 103,118
<TOTAL-LIABILITIES-AND-EQUITY>               1,106,590               1,143,559
<INTEREST-LOAN>                                 65,499                  23,320
<INTEREST-INVEST>                               13,298                   4,512
<INTEREST-OTHER>                                 1,235                     491
<INTEREST-TOTAL>                                80,032                  28,323
<INTEREST-DEPOSIT>                              36,109                  12,571
<INTEREST-EXPENSE>                              39,831                  14,064
<INTEREST-INCOME-NET>                           40,201                  14,259
<LOAN-LOSSES>                                    1,865                     183
<SECURITIES-GAINS>                                  37                     (7)
<EXPENSE-OTHER>                                  8,868                  24,810
<INCOME-PRETAX>                                 19,469                   7,433
<INCOME-PRE-EXTRAORDINARY>                      19,469                   7,433
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    11,784                   4,410
<EPS-PRIMARY>                                        0                       0
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    3.95                    3.97<F1>
<LOANS-NON>                                     10,925                   9,885
<LOANS-PAST>                                       489                     575
<LOANS-TROUBLED>                                   130                     559<F2>
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                10,334                  10,642
<CHARGE-OFFS>                                    1,934                     215
<RECOVERIES>                                       377                     137
<ALLOWANCE-CLOSE>                               10,642                  10,747
<ALLOWANCE-DOMESTIC>                            10,642                  10,747
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
<FN>
<F1>Percent is based upon annualized net interest margin.
<F2>Represents accruing restructured loans.
</FN>