<TABLE> <S> <C>

<ARTICLE>      9
<MULTIPLIER>                     1,000

<S>                                                                                         <C>
<PERIOD-TYPE>                                                                                     6-MOS
<FISCAL-YEAR-END>                                                                           DEC-31-2000
<PERIOD-END>                                                                                JUN-30-2000
<CASH>                                                                                       10,184,328
<INT-BEARING-DEPOSITS>                                                                          729,935
<FED-FUNDS-SOLD>                                                                              3,520,297
<TRADING-ASSETS>                                                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                                                 282,030,874
<INVESTMENTS-CARRYING>                                                                                0
<INVESTMENTS-MARKET>                                                                        282,030,874
<LOANS>                                                                                     404,086,996
<ALLOWANCE>                                                                                   3,400,288
<TOTAL-ASSETS>                                                                              725,906,807
<DEPOSITS>                                                                                  467,539,923
<SHORT-TERM>                                                                                205,693,398
<LIABILITIES-OTHER>                                                                           8,184,416
<LONG-TERM>                                                                                  12,650,000
<COMMON>                                                                                      7,824,185
<PREFERRED-MANDATORY>                                                                                 0
<PREFERRED>                                                                                           0
<OTHER-SE>                                                                                   24,014,885
<TOTAL-LIABILITIES-AND-EQUITY>                                                              725,906,807
<INTEREST-LOAN>                                                                              16,484,171
<INTEREST-INVEST>                                                                             9,531,518
<INTEREST-OTHER>                                                                                117,093
<INTEREST-TOTAL>                                                                             26,132,782
<INTEREST-DEPOSIT>                                                                           10,180,876
<INTEREST-EXPENSE>                                                                            6,811,920
<INTEREST-INCOME-NET>                                                                         9,139,986
<LOAN-LOSSES>                                                                                   475,000
<SECURITIES-GAINS>                                                                                  205
<EXPENSE-OTHER>                                                                               7,231,972
<INCOME-PRETAX>                                                                               3,265,159
<INCOME-PRE-EXTRAORDINARY>                                                                    2,597,679
<EXTRAORDINARY>                                                                                       0
<CHANGES>                                                                                             0
<NET-INCOME>                                                                                  2,597,679
<EPS-BASIC>                                                                                      0.83
<EPS-DILUTED>                                                                                      0.83
<YIELD-ACTUAL>                                                                                     0267
<LOANS-NON>                                                                                   1,577,000
<LOANS-PAST>                                                                                  1,457,000
<LOANS-TROUBLED>                                                                                355,000
<LOANS-PROBLEM>                                                                                       0
<ALLOWANCE-OPEN>                                                                                      0
<CHARGE-OFFS>                                                                                         0
<RECOVERIES>                                                                                          0
<ALLOWANCE-CLOSE>                                                                                     0
<ALLOWANCE-DOMESTIC>                                                                                  0
<ALLOWANCE-FOREIGN>                                                                                   0
<ALLOWANCE-UNALLOCATED>                                                                               0


</TABLE>