<TABLE> <S> <C>

<ARTICLE>                                                            9
<MULTIPLIER>                                                     1,000
       
<S>                                                        <C>
<PERIOD-TYPE>                                              9-MOS
<FISCAL-YEAR-END>                                          DEC-31-1998
<PERIOD-END>                                               SEP-30-1998
<CASH>                                                      15,407,875
<INT-BEARING-DEPOSITS>                                         274,004
<FED-FUNDS-SOLD>                                             6,178,025
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                226,533,508
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                       226,533,508
<LOANS>                                                    297,794,837
<ALLOWANCE>                                                  3,090,281
<TOTAL-ASSETS>                                             563,173,233
<DEPOSITS>                                                 417,390,552
<SHORT-TERM>                                                88,921,787
<LIABILITIES-OTHER>                                          7,746,036
<LONG-TERM>                                                 12,664,764
<COMMON>                                                     7,824,185
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                  28,625,909
<TOTAL-LIABILITIES-AND-EQUITY>                             563,173,233
<INTEREST-LOAN>                                             19,200,532
<INTEREST-INVEST>                                            9,874,143
<INTEREST-OTHER>                                               589,527
<INTEREST-TOTAL>                                            29,664,202
<INTEREST-DEPOSIT>                                          12,878,353
<INTEREST-EXPENSE>                                           4,184,090
<INTEREST-INCOME-NET>                                       12,601,759
<LOAN-LOSSES>                                                  180,000
<SECURITIES-GAINS>                                             628,059
<EXPENSE-OTHER>                                             10,627,913
<INCOME-PRETAX>                                              5,380,042
<INCOME-PRE-EXTRAORDINARY>                                   3,855,801
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 3,855,801
<EPS-PRIMARY>                                                     1.23
<EPS-DILUTED>                                                     1.23
<YIELD-ACTUAL>                                                    0331
<LOANS-NON>                                                  1,215,000
<LOANS-PAST>                                                 1,165,000
<LOANS-TROUBLED>                                               482,000
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                     0
<CHARGE-OFFS>                                                        0
<RECOVERIES>                                                         0
<ALLOWANCE-CLOSE>                                                    0
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0
        

</TABLE>