<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          97,583
<INT-BEARING-DEPOSITS>                       1,158,080
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
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<INVESTMENTS-MARKET>                         5,189,029
<LOANS>                                     20,873,140
<ALLOWANCE>                                  (150,146)
<TOTAL-ASSETS>                              33,014,331
<DEPOSITS>                                  25,173,236
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            346,000
<LONG-TERM>                                    581,230
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<COMMON>                                             0
<OTHER-SE>                                   6,913,865
<TOTAL-LIABILITIES-AND-EQUITY>              33,014,331
<INTEREST-LOAN>                                407,573
<INTEREST-INVEST>                              165,323
<INTEREST-OTHER>                                24,085
<INTEREST-TOTAL>                               596,981
<INTEREST-DEPOSIT>                             323,337
<INTEREST-EXPENSE>                             332,733
<INTEREST-INCOME-NET>                          264,248
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                208,045
<INCOME-PRETAX>                                 69,692
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    43,958
<EPS-BASIC>                                        .10
<EPS-DILUTED>                                      .10
<YIELD-ACTUAL>                                     7.3
<LOANS-NON>                                     81,735
<LOANS-PAST>                                    51,778
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               150,146
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              150,146
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        150,146