<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BIG LAKE FINANCIAL CORPORATION FOR THE TWELVE
MONTHS ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           6,626
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     58,662
<INVESTMENTS-CARRYING>                             898
<INVESTMENTS-MARKET>                               926
<LOANS>                                         76,380
<ALLOWANCE>                                      1,277
<TOTAL-ASSETS>                                 150,552
<DEPOSITS>                                     138,608
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                964
<LONG-TERM>                                        500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                      10,475
<TOTAL-LIABILITIES-AND-EQUITY>                 150,552
<INTEREST-LOAN>                                  7,033
<INTEREST-INVEST>                                1,422
<INTEREST-OTHER>                                   639
<INTEREST-TOTAL>                                 9,094
<INTEREST-DEPOSIT>                               3,460
<INTEREST-EXPENSE>                               3,464
<INTEREST-INCOME-NET>                            5,630
<LOAN-LOSSES>                                      144
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,043
<INCOME-PRETAX>                                  1,648
<INCOME-PRE-EXTRAORDINARY>                       1,648
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,074
<EPS-PRIMARY>                                     2.20
<EPS-DILUTED>                                     2.16
<YIELD-ACTUAL>                                    5.10
<LOANS-NON>                                      1,049
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,049
<ALLOWANCE-OPEN>                                 1,183
<CHARGE-OFFS>                                      128
<RECOVERIES>                                        78
<ALLOWANCE-CLOSE>                                1,277
<ALLOWANCE-DOMESTIC>                             1,277
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>