<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR THE FISCAL YEAR ENDED SEPTEMBER 30, 1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         961,350   
<INT-BEARING-DEPOSITS>                         589,877   
<FED-FUNDS-SOLD>                             1,600,000   
<TRADING-ASSETS>                                     0   
<INVESTMENTS-HELD-FOR-SALE>                  4,783,024   
<INVESTMENTS-CARRYING>                      26,527,689   
<INVESTMENTS-MARKET>                        26,744,869   
<LOANS>                                     75,226,968   
<ALLOWANCE>                                    668,185   
<TOTAL-ASSETS>                             112,522,659   
<DEPOSITS>                                  76,229,176   
<SHORT-TERM>                                12,800,000   
<LIABILITIES-OTHER>                          1,064,202   
<LONG-TERM>                                 10,900,000   
<PREFERRED-MANDATORY>                           14,984   
<PREFERRED>                                          0   
<COMMON>                                             0   
<OTHER-SE>                                  11,514,297   
<TOTAL-LIABILITIES-AND-EQUITY>             112,522,659   
<INTEREST-LOAN>                              5,684,053   
<INTEREST-INVEST>                            2,239,977   
<INTEREST-OTHER>                               145,016   
<INTEREST-TOTAL>                             8,069,046   
<INTEREST-DEPOSIT>                           3,659,320   
<INTEREST-EXPENSE>                           5,058,583   
<INTEREST-INCOME-NET>                        3,010,463   
<LOAN-LOSSES>                                        0   
<SECURITIES-GAINS>                                   0   
<EXPENSE-OTHER>                              2,111,498   
<INCOME-PRETAX>                              1,179,398   
<INCOME-PRE-EXTRAORDINARY>                     711,680   
<EXTRAORDINARY>                                      0   
<CHANGES>                                            0   
<NET-INCOME>                                   711,680   
<EPS-PRIMARY>                                      .68   
<EPS-DILUTED>                                      .68   
<YIELD-ACTUAL>                                    7.53   
<LOANS-NON>                                  1,049,000   
<LOANS-PAST>                                   292,000   
<LOANS-TROUBLED>                                50,000   
<LOANS-PROBLEM>                                      0   
<ALLOWANCE-OPEN>                               690,009   
<CHARGE-OFFS>                                   21,824   
<RECOVERIES>                                         0   
<ALLOWANCE-CLOSE>                              668,185   
<ALLOWANCE-DOMESTIC>                                 0   
<ALLOWANCE-FOREIGN>                                  0   
<ALLOWANCE-UNALLOCATED>                        668,185   
                                                       


</TABLE>