<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       2,190,913
<INT-BEARING-DEPOSITS>                      28,168,612
<FED-FUNDS-SOLD>                             1,333,582
<TRADING-ASSETS>                               200,479
<INVESTMENTS-HELD-FOR-SALE>                 11,455,372
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     42,889,478
<ALLOWANCE>                                    666,146
<TOTAL-ASSETS>                              60,841,318
<DEPOSITS>                                  36,482,977
<SHORT-TERM>                                11,102,220
<LIABILITIES-OTHER>                          3,366,452
<LONG-TERM>                                  4,605,319
<PREFERRED-MANDATORY>                          213,108
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                   5,071,242
<TOTAL-LIABILITIES-AND-EQUITY>              60,841,318
<INTEREST-LOAN>                              2,456,936
<INTEREST-INVEST>                              412,602
<INTEREST-OTHER>                                50,603
<INTEREST-TOTAL>                             2,920,141
<INTEREST-DEPOSIT>                             851,251
<INTEREST-EXPENSE>                           1,437,037
<INTEREST-INCOME-NET>                        1,483,104
<LOAN-LOSSES>                                   93,465
<SECURITIES-GAINS>                               2,872
<EXPENSE-OTHER>                              1,441,488
<INCOME-PRETAX>                                824,517
<INCOME-PRE-EXTRAORDINARY>                     554,716
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   554,716
<EPS-PRIMARY>                                     2.68
<EPS-DILUTED>                                     2.64
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                    141,300
<LOANS-PAST>                                    38,700
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               651,830
<CHARGE-OFFS>                                  117,103
<RECOVERIES>                                    37,959
<ALLOWANCE-CLOSE>                              666,146
<ALLOWANCE-DOMESTIC>                           666,146
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        432,995