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<PERIOD-END>                                                    MAR-31-1999
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<EPS-PRIMARY>                                                           .24
<EPS-DILUTED>                                                           .23
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<CHARGE-OFFS>                                                             0
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<ALLOWANCE-DOMESTIC>                                                      0
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 325