<ARTICLE> 5

                                                  
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JAN-01-1999             JAN-01-2000
<PERIOD-END>                               DEC-31-1999             SEP-30-2000
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<SECURITIES>                               236,014,844             200,817,593
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<EPS-BASIC>                                       0.68                    0.63
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