WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>        9
<MULTIPLIER>     1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-END>                               SEP-30-1998             SEP-30-1998
<CASH>                                       6,815,735               6,815,735
<INT-BEARING-DEPOSITS>                          52,958                  52,958
<FED-FUNDS-SOLD>                            10,000,000              10,000,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 76,134,494              76,134,494
<INVESTMENTS-CARRYING>                      21,736,671              21,736,671
<INVESTMENTS-MARKET>                        22,557,311              22,557,311
<LOANS>                                    119,611,718             119,611,718
<ALLOWANCE>                                  1,565,655               1,565,655
<TOTAL-ASSETS>                             241,366,346             241,366,346
<DEPOSITS>                                 196,299,275             196,299,275
<SHORT-TERM>                                12,453,776              12,453,776
<LIABILITIES-OTHER>                          1,221,730               1,221,730
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     4,000,000               4,000,000
<OTHER-SE>                                  27,391,565              27,391,565
<TOTAL-LIABILITIES-AND-EQUITY>             241,366,346             241,366,346
<INTEREST-LOAN>                              2,642,888               8,011,102
<INTEREST-INVEST>                            1,409,336               4,050,035
<INTEREST-OTHER>                               209,163                 471,178
<INTEREST-TOTAL>                             4,261,387              12,532,315
<INTEREST-DEPOSIT>                           1,895,194               5,497,420
<INTEREST-EXPENSE>                           2,060,350               5,875,701
<INTEREST-INCOME-NET>                        2,201,037               6,656,614
<LOAN-LOSSES>                                   60,000                 180,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,318,749               3,884,562
<INCOME-PRETAX>                              1,120,775               3,346,093
<INCOME-PRE-EXTRAORDINARY>                     788,902               2,358,981
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   788,902               2,358,981
<EPS-PRIMARY>                                     0.49                    1.47
<EPS-DILUTED>                                     0.49                    1.47
<YIELD-ACTUAL>                                     N/A                    4.03
<LOANS-NON>                                        N/A                 298,565
<LOANS-PAST>                                       N/A                 275,142
<LOANS-TROUBLED>                                   N/A                       0
<LOANS-PROBLEM>                                    N/A                       0
<ALLOWANCE-OPEN>                                   N/A               1,491,736
<CHARGE-OFFS>                                      N/A                 119,269
<RECOVERIES>                                       N/A                  13,188
<ALLOWANCE-CLOSE>                                  N/A               1,565,655
<ALLOWANCE-DOMESTIC>                               N/A               1,291,143
<ALLOWANCE-FOREIGN>                                N/A                       0
<ALLOWANCE-UNALLOCATED>                            N/A                 274,512
        



</TABLE>