<ARTICLE>                       9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                         DEC-31-2000
<PERIOD-END>                              SEP-30-2000
<CASH>                                        213,884
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                              103,175
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   379,380
<INVESTMENTS-CARRYING>                     14,507,244
<INVESTMENTS-MARKET>                       14,303,958
<LOANS>                                    34,906,911
<ALLOWANCE>                                   235,569
<TOTAL-ASSETS>                             52,365,381
<DEPOSITS>                                 28,249,069
<SHORT-TERM>                                5,256,356
<LIABILITIES-OTHER>                           774,573
<LONG-TERM>                                14,596,377
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<OTHER-SE>                                  3,473,193
<TOTAL-LIABILITIES-AND-EQUITY>             52,365,381
<INTEREST-LOAN>                             1,786,134
<INTEREST-INVEST>                             186,517
<INTEREST-OTHER>                              726,659
<INTEREST-TOTAL>                            2,699,380
<INTEREST-DEPOSIT>                          1,083,765
<INTEREST-EXPENSE>                          1,861,310
<INTEREST-INCOME-NET>                         838,070
<LOAN-LOSSES>                                   5,917
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                               309,483
<INCOME-PRETAX>                               637,462
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<EPS-BASIC>                                      2.50
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<YIELD-ACTUAL>                                   7.86
<LOANS-NON>                                   213,956
<LOANS-PAST>                                        0
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<ALLOWANCE-OPEN>                              232,134
<CHARGE-OFFS>                                     916
<RECOVERIES>                                      544
<ALLOWANCE-CLOSE>                             235,569
<ALLOWANCE-DOMESTIC>                          235,569
<ALLOWANCE-FOREIGN>                                 0
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