<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       1,037,192
<INT-BEARING-DEPOSITS>                          27,015
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               130,912
<INVESTMENTS-HELD-FOR-SALE>                 16,247,250
<INVESTMENTS-CARRYING>                      12,492,556
<INVESTMENTS-MARKET>                        12,612,245
<LOANS>                                     69,475,130
<ALLOWANCE>                                    673,172
<TOTAL-ASSETS>                             103,123,908
<DEPOSITS>                                  51,313,052
<SHORT-TERM>                                   491,063
<LIABILITIES-OTHER>                          3,377,418
<LONG-TERM>                                 28,188,411
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     49,250
<COMMON>                                     1,957,522
<OTHER-SE>                                   3,430,197
<TOTAL-LIABILITIES-AND-EQUITY>             103,123,908
<INTEREST-LOAN>                              1,357,305
<INTEREST-INVEST>                              440,498
<INTEREST-OTHER>                                28,849
<INTEREST-TOTAL>                             1,826,652
<INTEREST-DEPOSIT>                             515,901
<INTEREST-EXPENSE>                           1,113,779
<INTEREST-INCOME-NET>                          667,530
<LOAN-LOSSES>                                   45,343
<SECURITIES-GAINS>                               3,415
<EXPENSE-OTHER>                                442,218
<INCOME-PRETAX>                                419,141
<INCOME-PRE-EXTRAORDINARY>                     256,471
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   256,471
<EPS-PRIMARY>                                     1.02<F1>
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    2.96
<LOANS-NON>                                    604,034
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               138,396
<LOANS-PROBLEM>                                802,631
<ALLOWANCE-OPEN>                               670,494
<CHARGE-OFFS>                                   48,544
<RECOVERIES>                                     5,870
<ALLOWANCE-CLOSE>                              673,172
<ALLOWANCE-DOMESTIC>                            41,839
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        585,585
<FN>
<F1>FOR PURPOSES OF THIS EXHIBIT, PRIMARY MEANS BASIC.
</FN>