<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED STATEMENTS OF
FINANCIAL POSITION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE
COMPANY'S FORM 10-Q FOR THE SIX MONTH PERIOD ENDED JUNE 30, 1998.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         992,346
<INT-BEARING-DEPOSITS>                          47,147
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                36,024
<INVESTMENTS-HELD-FOR-SALE>                 15,163,849
<INVESTMENTS-CARRYING>                      12,373,349
<INVESTMENTS-MARKET>                        12,233,607
<LOANS>                                     70,967,344
<ALLOWANCE>                                    684,436
<TOTAL-ASSETS>                             103,396,952
<DEPOSITS>                                  50,461,145
<SHORT-TERM>                                16,534,237
<LIABILITIES-OTHER>                          1,283,772
<LONG-TERM>                                 29,482,146
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     49,250
<COMMON>                                     1,966,249
<OTHER-SE>                                   3,620,153
<TOTAL-LIABILITIES-AND-EQUITY>             103,396,952
<INTEREST-LOAN>                              2,747,961
<INTEREST-INVEST>                              915,766
<INTEREST-OTHER>                                63,662
<INTEREST-TOTAL>                             3,727,389
<INTEREST-DEPOSIT>                           1,027,783
<INTEREST-EXPENSE>                           2,288,044
<INTEREST-INCOME-NET>                        1,439,345
<LOAN-LOSSES>                                   91,748
<SECURITIES-GAINS>                              11,117
<EXPENSE-OTHER>                                944,874
<INCOME-PRETAX>                                846,369
<INCOME-PRE-EXTRAORDINARY>                     517,742
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   517,742
<EPS-PRIMARY>                                     1.37<F1>
<EPS-DILUTED>                                     1.37<F1>
<YIELD-ACTUAL>                                    2.92
<LOANS-NON>                                    588,516
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               158,837
<LOANS-PROBLEM>                                588,399
<ALLOWANCE-OPEN>                               670,494
<CHARGE-OFFS>                                   89,384
<RECOVERIES>                                    11,578
<ALLOWANCE-CLOSE>                              684,436
<ALLOWANCE-DOMESTIC>                            85,776
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        598,660
<FN>
<F1>ON APRIL 20, 1998, THE COMPANY'S BOARD OF DIRECTORS DECLARED A 3-FOR-2 COMMON
STOCK SPLIT IN THE FORM OF A 50% STOCK DIVIDEND WHICH WAS PAID ON JUNE 1, 1998
TO SHAREHOLDERS OF RECORD AS OF MAY 31, 1998. ALL EARNINGS PER SHARE FIGURES
PRESENTED FOR 1998 HAVE BEEN ADJUSTED FOR THIS SPLIT.

FOR PURPOSES OF THIS EXHIBIT PRIMARY MEANS BASIC.
</FN>