<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
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<INTEREST-EXPENSE>                              28,640
<INTEREST-INCOME-NET>                           38,407
<LOAN-LOSSES>                                    2,544
<SECURITIES-GAINS>                                 388
<EXPENSE-OTHER>                                 32,913
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