<ARTICLE> 5 <LEGEND> This schedule contains summary financial information extracted from the financial statements contained in the CCBT Bancorp, Inc. Annual Report on form 10-K for the twelve months ended December 31, 1998 and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 29,383,227 <SECURITIES> 43,888 <RECEIVABLES> 496,020,243 <ALLOWANCES> 22,125,400 <INVENTORY> 611,960,799 <CURRENT-ASSETS> (11,107,633) <PP&E> 12,847,002 <DEPRECIATION> 1,177,530,161 <TOTAL-ASSETS> 727,896,975 <CURRENT-LIABILITIES> 358,113,005 <BONDS> 1,093,987,761 <PREFERRED-MANDATORY> 0 <PREFERRED> 22,652,660 <COMMON> 0 <OTHER-SE> 1,177,530,161 <TOTAL-LIABILITY-AND-EQUITY> 48,258,130 <SALES> 24,513,524 <TOTAL-REVENUES> 1,206,296 <CGS> 0 <TOTAL-COSTS> 73,977,950 <OTHER-EXPENSES> 19,589,900 <LOSS-PROVISION> 16,621,267 <INTEREST-EXPENSE> 37,766,783 <INCOME-PRETAX> 0 <INCOME-TAX> 383,888 <INCOME-CONTINUING> 16,652,000 <DISCONTINUED> 34,195,891 <EXTRAORDINARY> 20,606,780 <CHANGES> 8,049,834 <NET-INCOME> 12,556,946 <EPS-PRIMARY> 1.39 <EPS-DILUTED> 1.38