<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1999             SEP-30-1998             SEP-30-1997
<PERIOD-END>                               SEP-30-1999             SEP-30-1998             SEP-30-1997
<CASH>                                         175,058                 229,769                 121,084
<INT-BEARING-DEPOSITS>                           8,202                   6,819                   7,295
<FED-FUNDS-SOLD>                               390,326                 495,282                 366,249
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    820,146                 577,580               1,104,153
<INVESTMENTS-CARRYING>                         327,394                 465,470                 549,797
<INVESTMENTS-MARKET>                           320,497                 460,451                 535,383
<LOANS>                                     13,116,202              10,867,897               9,046,400
<ALLOWANCE>                                     82,705                  47,503                  39,723
<TOTAL-ASSETS>                              16,244,679              13,781,055              12,054,368
<DEPOSITS>                                   7,508,502               6,894,227               5,571,402
<SHORT-TERM>                                 4,993,593               3,127,299               5,304,645
<LIABILITIES-OTHER>                            308,131                 182,673                 167,923
<LONG-TERM>                                  2,335,539               2,699,962                 220,436
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                           325                     322                     322
<OTHER-SE>                                     753,089                 691,072                 604,140
<TOTAL-LIABILITIES-AND-EQUITY>              16,244,679              13,781,055              12,054,368
<INTEREST-LOAN>                                894,039                 762,494                 657,539
<INTEREST-INVEST>                               97,771                 130,628                 147,525
<INTEREST-OTHER>                                16,176                  12,678                  11,419
<INTEREST-TOTAL>                             1,007,986                 905,800                 816,483
<INTEREST-DEPOSIT>                             296,630                 302,925                 264,446
<INTEREST-EXPENSE>                             658,365                 615,047                 547,914
<INTEREST-INCOME-NET>                          349,621                 290,753                 268,569
<LOAN-LOSSES>                                   38,368                  20,123                  18,107
<SECURITIES-GAINS>                               1,290                   2,761                   2,718
<EXPENSE-OTHER>                                249,645                 192,478                 175,388
<INCOME-PRETAX>                                181,569                 159,805                 159,078
<INCOME-PRE-EXTRAORDINARY>                     109,657                 115,690                  79,839
<EXTRAORDINARY>                                      0                       0                   2,323
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   109,657                 115,690                  77,516
<EPS-BASIC>                                     3.34                    3.59                    2.41
<EPS-DILUTED>                                     3.28                    3.51                    2.38
<YIELD-ACTUAL>                                    2.53                    2.45                    2.55
<LOANS-NON>                                     89,649                  62,002                  54,116
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                47,503                  39,723                  40,204
<CHARGE-OFFS>                                  (6,733)                (13,044)                (19,049)
<RECOVERIES>                                       973                     701                     461
<ALLOWANCE-CLOSE>                               82,705                  47,503                  39,723
<ALLOWANCE-DOMESTIC>                            82,705                  47,503                  39,723
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0


</TABLE>