<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1996
<PERIOD-END>                                   SEP-30-1996
<CASH>                                           4,249,883
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                   500,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     79,309,761
<INVESTMENTS-CARRYING>                         269,641,441
<INVESTMENTS-MARKET>                           265,809,000
<LOANS>                                        134,547,804
<ALLOWANCE>                                      2,458,777
<TOTAL-ASSETS>                                 502,499,849
<DEPOSITS>                                     394,580,611
<SHORT-TERM>                                    64,275,000
<LIABILITIES-OTHER>                              5,185,704
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         4,111,958
<OTHER-SE>                                      34,346,576
<TOTAL-LIABILITIES-AND-EQUITY>                 502,499,849
<INTEREST-LOAN>                                 11,861,002
<INTEREST-INVEST>                               20,011,772
<INTEREST-OTHER>                                   860,031
<INTEREST-TOTAL>                                32,732,805
<INTEREST-DEPOSIT>                              17,806,866
<INTEREST-EXPENSE>                              19,132,838
<INTEREST-INCOME-NET>                           13,599,967
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  8,473,614
<INCOME-PRETAX>                                  5,452,075
<INCOME-PRE-EXTRAORDINARY>                       5,452,075
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     3,492,609
<EPS-PRIMARY>                                         0.94
<EPS-DILUTED>                                         0.94
<YIELD-ACTUAL>                                        0.74
<LOANS-NON>                                        998,570
<LOANS-PAST>                                       835,168
<LOANS-TROUBLED>                                 2,135,000
<LOANS-PROBLEM>                                  9,914,000
<ALLOWANCE-OPEN>                                 2,603,852
<CHARGE-OFFS>                                      145,075
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                2,458,777
<ALLOWANCE-DOMESTIC>                             2,458,777
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>