<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
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<LOAN-LOSSES>                                    9,000
<SECURITIES-GAINS>                                   0
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<EPS-BASIC>                                       8.85
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<CHARGE-OFFS>                                   10,162
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<ALLOWANCE-DOMESTIC>                           224,836
<ALLOWANCE-FOREIGN>                                  0
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