<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SEPTEMBER
30, 1998, CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1998, AND IS QUALIFIED IN ITS ENTIRELY
BY REFERENCE TO SUCH STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         541,059
<INT-BEARING-DEPOSITS>                         938,581
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  6,613,474
<INVESTMENTS-CARRYING>                      10,602,844
<INVESTMENTS-MARKET>                        10,623,033
<LOANS>                                     14,640,159
<ALLOWANCE>                                    303,025
<TOTAL-ASSETS>                              34,467,566
<DEPOSITS>                                  29,366,889
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            286,894
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,666
<OTHER-SE>                                   (169,280)
<TOTAL-LIABILITIES-AND-EQUITY>              34,467,566
<INTEREST-LOAN>                                328,820
<INTEREST-INVEST>                              263,161
<INTEREST-OTHER>                                22,558
<INTEREST-TOTAL>                               614,539
<INTEREST-DEPOSIT>                             316,413
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                          298,126
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                227,814
<INCOME-PRETAX>                                157,822
<INCOME-PRE-EXTRAORDINARY>                     157,822
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   106,334
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                    132,242
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                157,635
<ALLOWANCE-OPEN>                               301,282
<CHARGE-OFFS>                                    1,743
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              303,025
<ALLOWANCE-DOMESTIC>                            21,085
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        281,940