<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