<TABLE> <S> <C>

<ARTICLE>                                            9

<S>                                                        <C>
<PERIOD-TYPE>                                                3-Mos
<FISCAL-YEAR-END>                                            Sep-30-1999
<PERIOD-START>                                               Jul-1-1999
<PERIOD-END>                                                 Sep-30-1999
<CASH>                                                       $40,457,437
<INT-BEARING-DEPOSITS>                                         2,458,143
<FED-FUNDS-SOLD>                                               6,000,000
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                  613,003,278
<INVESTMENTS-CARRYING>                                       200,481,279
<INVESTMENTS-MARKET>                                         200,902,190
<LOANS>                                                      462,326,766
<ALLOWANCE>                                                    8,523,961
<TOTAL-ASSETS>                                             1,349,862,138
<DEPOSITS>                                                   898,028,229
<SHORT-TERM>                                                 314,491,893
<LIABILITIES-OTHER>                                           28,255,093
<LONG-TERM>                                                            0
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                           9,989
<OTHER-SE>                                                   109,076,934
<TOTAL-LIABILITIES-AND-EQUITY>                             1,349,862,138
<INTEREST-LOAN>                                               24,399,759
<INTEREST-INVEST>                                             41,003,440
<INTEREST-OTHER>                                                 373,176
<INTEREST-TOTAL>                                              65,776,375
<INTEREST-DEPOSIT>                                            19,290,926
<INTEREST-EXPENSE>                                            28,395,111
<INTEREST-INCOME-NET>                                         37,381,264
<LOAN-LOSSES>                                                  1,215,000
<SECURITIES-GAINS>                                                75,881
<EXPENSE-OTHER>                                               19,083,486
<INCOME-PRETAX>                                               21,850,710
<INCOME-PRE-EXTRAORDINARY>                                             0
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                  14,673,689
<EPS-BASIC>                                                         0.76
<EPS-DILUTED>                                                       0.76
<YIELD-ACTUAL>                                                      4.37
<LOANS-NON>                                                      567,000
<LOANS-PAST>                                                     174,000
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                               7,965,000
<CHARGE-OFFS>                                                    866,000
<RECOVERIES>                                                     210,000
<ALLOWANCE-CLOSE>                                              8,523,961
<ALLOWANCE-DOMESTIC>                                             309,000
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                        8,214,961




</TABLE>