<ARTICLE>                       9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1999
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<INT-BEARING-DEPOSITS>                           4,984
<FED-FUNDS-SOLD>                               320,013
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                      11,170,489
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<ALLOWANCE>                                    233,277
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<DEPOSITS>                                  26,549,828
<SHORT-TERM>                                   267,786
<LIABILITIES-OTHER>                            598,677
<LONG-TERM>                                  9,427,181
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<INTEREST-INVEST>                              152,776
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<INTEREST-DEPOSIT>                             923,274
<INTEREST-EXPENSE>                           1,331,341
<INTEREST-INCOME-NET>                          751,171
<LOAN-LOSSES>                                   (1,406)
<SECURITIES-GAINS>                                   0
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<LOANS-PAST>                                         0
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<CHARGE-OFFS>                                        0
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