<ARTICLE> 9
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<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1997 DEC-31-1997 DEC-31-1997
<PERIOD-START> JAN-01-1996 JAN-01-1997 JAN-01-1997 JAN-01-1997
<PERIOD-END> DEC-31-1996 MAR-31-1997 JUN-30-1997 SEP-30-1997
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<LOAN-LOSSES> 43,325 11,000 22,000 34,000
<SECURITIES-GAINS> (37) (45) (233) (280)
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