<ARTICLE>                     9

       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         199,747
<INT-BEARING-DEPOSITS>                         102,000
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<LONG-TERM>                                  7,724,562
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<OTHER-SE>                                   2,980,149
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<INTEREST-LOAN>                              1,745,201
<INTEREST-INVEST>                              161,063
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<INTEREST-TOTAL>                             2,240,229
<INTEREST-DEPOSIT>                             963,878
<INTEREST-EXPENSE>                           1,519,176
<INTEREST-INCOME-NET>                          721,053
<LOAN-LOSSES>                                    8,777
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                258,215
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<CHANGES>                                            0
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<EPS-PRIMARY>                                     5.62
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