<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>                                            9,707,643
<INT-BEARING-DEPOSITS>                              173,866
<FED-FUNDS-SOLD>                                  2,556,025
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                     311,206,707
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                            311,206,707
<LOANS>                                         356,175,901
<ALLOWANCE>                                       3,046,300
<TOTAL-ASSETS>                                  703,720,548
<DEPOSITS>                                      432,772,681
<SHORT-TERM>                                    221,935,096
<LIABILITIES-OTHER>                               5,763,758
<LONG-TERM>                                      12,650,000
<COMMON>                                          7,824,185
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<OTHER-SE>                                       22,774,828
<TOTAL-LIABILITIES-AND-EQUITY>                  703,720,548
<INTEREST-LOAN>                                  20,757,852
<INTEREST-INVEST>                                13,809,713
<INTEREST-OTHER>                                    297,857
<INTEREST-TOTAL>                                 34,865,422
<INTEREST-DEPOSIT>                               13,179,804
<INTEREST-EXPENSE>                                7,972,108
<INTEREST-INCOME-NET>                            13,713,510
<LOAN-LOSSES>                                       270,000
<SECURITIES-GAINS>                                  342,967
<EXPENSE-OTHER>                                  11,154,439
<INCOME-PRETAX>                                   5,065,127
<INCOME-PRE-EXTRAORDINARY>                        3,983,384
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      3,983,384
<EPS-BASIC>                                          1.27
<EPS-DILUTED>                                          1.27
<YIELD-ACTUAL>                                         0292
<LOANS-NON>                                         988,000
<LOANS-PAST>                                      1,466,000
<LOANS-TROUBLED>                                    266,000
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                          0
<CHARGE-OFFS>                                             0
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                         0
<ALLOWANCE-DOMESTIC>                                      0
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0


</TABLE>