<ARTICLE> 5
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
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<CURRENT-LIABILITIES>                                0
<BONDS>                                        250,273
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<OTHER-SE>                                      37,698
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<SALES>                                              0
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<CGS>                                                0
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<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .14