<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
JUNE 30, 1998, CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT
OF INCOME FOR THE SIX MONTHS ENDED JUNE 30, 1998, AND IS QUALIFIED IN ITS
ENTIRELY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         130,935
<INT-BEARING-DEPOSITS>                       1,777,860
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,330,359
<INVESTMENTS-CARRYING>                      11,891,872
<INVESTMENTS-MARKET>                        11,914,753
<LOANS>                                     13,924,373
<ALLOWANCE>                                    301,282
<TOTAL-ASSETS>                              34,128,272
<DEPOSITS>                                  29,056,329
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            371,853
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,666
<OTHER-SE>                                   (174,570)
<TOTAL-LIABILITIES-AND-EQUITY>              34,128,272
<INTEREST-LOAN>                                311,546
<INTEREST-INVEST>                              277,351
<INTEREST-OTHER>                                22,472
<INTEREST-TOTAL>                               611,369
<INTEREST-DEPOSIT>                             309,287
<INTEREST-EXPENSE>                               4,079
<INTEREST-INCOME-NET>                          298,003
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                292,253
<INCOME-PRETAX>                                 80,811
<INCOME-PRE-EXTRAORDINARY>                      80,811
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    34,040
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    7.54
<LOANS-NON>                                    194,298
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                199,123
<ALLOWANCE-OPEN>                               300,359
<CHARGE-OFFS>                                      923
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              301,282
<ALLOWANCE-DOMESTIC>                            21,085
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        280,197