<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                                                  DEC-31-1998
<PERIOD-END>                                                       SEP-30-1998
<CASH>                                                                  78,023
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                             0
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                                  0
<INVESTMENTS-CARRYING>                                                       0
<INVESTMENTS-MARKET>                                                         0
<LOANS>                                                              9,392,529
<ALLOWANCE>                                                            187,161
<TOTAL-ASSETS>                                                       9,835,462
<DEPOSITS>                                                                   0
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                    687,091
<LONG-TERM>                                                          7,891,283
<PREFERRED-MANDATORY>                                                  111,550
<PREFERRED>                                                                  0
<COMMON>                                                                   585
<OTHER-SE>                                                           1,144,953
<TOTAL-LIABILITIES-AND-EQUITY>                                       9,835,462
<INTEREST-LOAN>                                                        742,877
<INTEREST-INVEST>                                                            0
<INTEREST-OTHER>                                                             0
<INTEREST-TOTAL>                                                       347,794
<INTEREST-DEPOSIT>                                                           0
<INTEREST-EXPENSE>                                                           0
<INTEREST-INCOME-NET>                                                  343,543
<LOAN-LOSSES>                                                           44,500
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                        175,834
<INCOME-PRETAX>                                                        205,398
<INCOME-PRE-EXTRAORDINARY>                                                   0
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                           123,244
<EPS-PRIMARY>                                                             2.20
<EPS-DILUTED>                                                             2.07
<YIELD-ACTUAL>                                                             5.5
<LOANS-NON>                                                            199,367
<LOANS-PAST>                                                                 0
<LOANS-TROUBLED>                                                       177,088
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                             0
<CHARGE-OFFS>                                                           38,672
<RECOVERIES>                                                             1,742
<ALLOWANCE-CLOSE>                                                      187,161
<ALLOWANCE-DOMESTIC>                                                         0
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0
        

</TABLE>