<ARTICLE>                                            9


                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    JUN-30-1999
<CASH>                                           314,615
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<INTEREST-EXPENSE>                                94,061
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<LOAN-LOSSES>                                      8,347
<SECURITIES-GAINS>                                   235
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<ALLOWANCE-FOREIGN>                                    0
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