<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 1,761 <INT-BEARING-DEPOSITS> 114,117 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,069 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 710,732 <ALLOWANCE> 10,000 <TOTAL-ASSETS> 1,058,165 <DEPOSITS> 786,534 <SHORT-TERM> 0 <LIABILITIES-OTHER> 10,199 <LONG-TERM> 64,403 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 300 <OTHER-SE> 7,530 <TOTAL-LIABILITIES-AND-EQUITY> 1,058,165 <INTEREST-LOAN> 105,638 <INTEREST-INVEST> 8,002 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 113,640 <INTEREST-DEPOSIT> 35,691 <INTEREST-EXPENSE> 42,821 <INTEREST-INCOME-NET> 70,819 <LOAN-LOSSES> 1,240 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,579 <INCOME-PRETAX> 94,561 <INCOME-PRE-EXTRAORDINARY> 94,561 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 90,742 <EPS-PRIMARY> 302.47 <EPS-DILUTED> 302.47 <YIELD-ACTUAL> 9.64 <LOANS-NON> 109,770 <LOANS-PAST> 9,861 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 11,912 <CHARGE-OFFS> 3,404 <RECOVERIES> 252 <ALLOWANCE-CLOSE> 10,000 <ALLOWANCE-DOMESTIC> 10,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0