<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                    3-MOS                    3-MOS                    3-MOS                    3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999             SEP-30-1999             SEP-30-1999             SEP-30-1999
<PERIOD-END>                               SEP-30-1999             JUN-30-1999             MAR-31-1999             DEC-31-1998
<CASH>                                         175,058                 246,922                 238,986                 323,310
<INT-BEARING-DEPOSITS>                           8,202                   7,436                   6,680                   6,593
<FED-FUNDS-SOLD>                               390,326                 243,324                 429,653                 206,649
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    820,146                 846,337                 906,503                 850,649
<INVESTMENTS-CARRYING>                         327,394                 372,048                 411,728                 430,226
<INVESTMENTS-MARKET>                           320,497                 364,791                 406,838                 426,323
<LOANS>                                     13,116,202              12,454,619              11,672,989              11,864,622
<ALLOWANCE>                                     82,705                  64,018                  59,320                  52,693
<TOTAL-ASSETS>                              16,244,679              15,545,747              14,995,336              14,939,624
<DEPOSITS>                                   7,508,502               7,311,673               7,170,316               6,967,250
<SHORT-TERM>                                 4,993,593               4,303,895               4,002,332               3,467,913
<LIABILITIES-OTHER>                            308,131                 272,895                 207,090                 200,878
<LONG-TERM>                                  2,335,539               2,730,924               2,699,255               3,404,968
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                           325                     324                     323                     322
<OTHER-SE>                                     753,089                 740,536                 730,499                 712,773
<TOTAL-LIABILITIES-AND-EQUITY>              16,244,679              15,545,747              14,995,336              14,939,624
<INTEREST-LOAN>                                248,036                 222,975                 213,263                 209,765
<INTEREST-INVEST>                               23,615                  24,329                  25,283                  24,544
<INTEREST-OTHER>                                 4,437                   3,857                   4,059                   3,823
<INTEREST-TOTAL>                               276,088                 251,161                 242,605                 238,132
<INTEREST-DEPOSIT>                              78,173                  72,789                  71,292                  74,376
<INTEREST-EXPENSE>                             176,789                 161,667                 159,994                 159,915
<INTEREST-INCOME-NET>                           99,299                  89,494                  82,611                  78,217
<LOAN-LOSSES>                                   20,283                   5,617                   5,982                   6,486
<SECURITIES-GAINS>                                 173                     332                     605                     180
<EXPENSE-OTHER>                                 75,399                  63,742                  56,633                  53,871
<INCOME-PRETAX>                                 34,625                  47,599                  48,322                  51,023
<INCOME-PRE-EXTRAORDINARY>                      31,417                  25,397                  25,467                  27,376
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                    31,417                  25,397                  25,467                  27,376
<EPS-BASIC>                                     0.92                    0.78                    0.79                    0.85
<EPS-DILUTED>                                     0.90                    0.77                    0.77                    0.83
<YIELD-ACTUAL>                                    2.73                    2.58                    2.41                    2.44
<LOANS-NON>                                     89,649                  75,001                  63,158                  63,427
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                64,018                  59,320                  52,693                  47,503
<CHARGE-OFFS>                                  (1,877)                 (1,387)                 (2,072)                 (1,397)
<RECOVERIES>                                       281                     468                     123                     101
<ALLOWANCE-CLOSE>                               82,705                  64,018                  59,320                  52,693
<ALLOWANCE-DOMESTIC>                            82,705                  64,018                  59,320                  52,693
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0


</TABLE>