WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER>1,000
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S DECEMBER 31, 1995 FORM 10-Q AND THRIFT FINANCIAL REPORT IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
[/LEGEND]
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-END>                               DEC-31-1995
<CASH>                                          33,066
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,825
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    171,934
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        668,294
<ALLOWANCE>                                      7,971
<TOTAL-ASSETS>                                 927,108
<DEPOSITS>                                     716,655
<SHORT-TERM>                                    94,848
<LIABILITIES-OTHER>                             21,980
<LONG-TERM>                                     20,556
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                       7564
<COMMON>                                          3995
<OTHER-SE>                                      61,510
<TOTAL-LIABILITIES-AND-EQUITY>                 927,108
<INTEREST-LOAN>                                 14,928
<INTEREST-INVEST>                                3,315
<INTEREST-OTHER>                                    16
<INTEREST-TOTAL>                                18,259
<INTEREST-DEPOSIT>                               8,032
<INTEREST-EXPENSE>                              10,034
<INTEREST-INCOME-NET>                            8,225
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                  6,670
<INCOME-PRETAX>                                  3,613
<INCOME-PRE-EXTRAORDINARY>                       3,613
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,375
<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    8.73
<LOANS-NON>                                      2,410
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 9,917
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,816
<CHARGE-OFFS>                                      489
<RECOVERIES>                                       344
<ALLOWANCE-CLOSE>                                7,971
<ALLOWANCE-DOMESTIC>                             5,754
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,217
        

</TABLE>