<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                    6-MOS
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-END>                                   Jun-30-1998
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<ALLOWANCE>                                    33,468
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<SHORT-TERM>                                   1,162
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<LOAN-LOSSES>                                  5,772
<SECURITIES-GAINS>                             (5)
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