<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION FOR THE PERIOD ENDED SEPTEMBER 30,
1997 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE PERIOD ENDED SEPTEMBER
30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS FILED WITH FORM 10-K FOR THE PERIOD ENDED SEPTEMBER 30, 1997.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          21,123
<INT-BEARING-DEPOSITS>                          78,806
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    267,810
<INVESTMENTS-CARRYING>                         228,291
<INVESTMENTS-MARKET>                           231,485
<LOANS>                                      1,150,146
<ALLOWANCE>                                      6,046
<TOTAL-ASSETS>                               1,808,420
<DEPOSITS>                                   1,229,279
<SHORT-TERM>                                   248,946
<LIABILITIES-OTHER>                             19,538
<LONG-TERM>                                    179,764
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            55
<OTHER-SE>                                     112,975
<TOTAL-LIABILITIES-AND-EQUITY>               1,808,420
<INTEREST-LOAN>                                 87,746
<INTEREST-INVEST>                               28,247
<INTEREST-OTHER>                                   937
<INTEREST-TOTAL>                               116,930
<INTEREST-DEPOSIT>                              57,535
<INTEREST-EXPENSE>                              72,851
<INTEREST-INCOME-NET>                           44,079
<LOAN-LOSSES>                                    3,281
<SECURITIES-GAINS>                               1,520
<EXPENSE-OTHER>                                 34,406
<INCOME-PRETAX>                                 15,393
<INCOME-PRE-EXTRAORDINARY>                      15,393
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,356
<EPS-PRIMARY>                                     1.86
<EPS-DILUTED>                                     1.85
<YIELD-ACTUAL>                                    2.91
<LOANS-NON>                                      7,903
<LOANS-PAST>                                       183
<LOANS-TROUBLED>                                 7,864
<LOANS-PROBLEM>                                    918
<ALLOWANCE-OPEN>                                11,855
<CHARGE-OFFS>                                   11,283
<RECOVERIES>                                     2,193
<ALLOWANCE-CLOSE>                                6,046
<ALLOWANCE-DOMESTIC>                             6,046
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>