<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-START>                                   JAN-1-1999
<PERIOD-END>                                    JUN-30-1999
<CASH>                                            4,805,330
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                 25,410,000
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                       8,848,892
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                          92,146,984
<ALLOWANCE>                                         993,682
<TOTAL-ASSETS>                                  133,140,039
<DEPOSITS>                                      103,112,188
<SHORT-TERM>                                     13,455,000
<LIABILITIES-OTHER>                                 428,517
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                             17,204
<OTHER-SE>                                       16,127,132
<TOTAL-LIABILITIES-AND-EQUITY>                  133,140,039
<INTEREST-LOAN>                                   3,689,614
<INTEREST-INVEST>                                   215,353
<INTEREST-OTHER>                                    552,169
<INTEREST-TOTAL>                                  4,457,136
<INTEREST-DEPOSIT>                                1,922,391
<INTEREST-EXPENSE>                                2,193,172
<INTEREST-INCOME-NET>                             2,263,964
<LOAN-LOSSES>                                       187,000
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                   1,324,937
<INCOME-PRETAX>                                     983,792
<INCOME-PRE-EXTRAORDINARY>                          983,792
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                        619,734
<EPS-BASIC>                                            0.36
<EPS-DILUTED>                                          0.36
<YIELD-ACTUAL>                                         3.97
<LOANS-NON>                                           4,805
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                       3,349
<ALLOWANCE-OPEN>                                    812,174
<CHARGE-OFFS>                                         5,492
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                   993,682
<ALLOWANCE-DOMESTIC>                                993,682
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0