<ARTICLE>                                                                      9
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<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    DEC-31-1998
<PERIOD-START>                                                       JAN-01-1998
<PERIOD-END>                                                        DEC-31-1998
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<TRADING-ASSETS>                                                               0
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<EPS-PRIMARY>                                                                .84
<EPS-DILUTED>                                                                .83
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<LOANS-PAST>                                                                   0
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<LOANS-PROBLEM>                                                                0
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<CHARGE-OFFS>                                                                 62
<RECOVERIES>                                                                   0
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<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,703