<ARTICLE> 9
<CIK> 0000865911
<NAME> TERRI L. MC CREARY
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
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<SECURITIES-GAINS>                                (11)
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