<ARTICLE>                     9
       
                                                   
<PERIOD-TYPE>                                              9-MOS
<FISCAL-YEAR-END>                                     DEC-31-1998
<PERIOD-END>                                          SEP-30-1998
<CASH>                                                    15,451
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<LOAN-LOSSES>                                                 75
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<EXPENSE-OTHER>                                           14,171
<INCOME-PRETAX>                                           15,093
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