5 1,000 YEAR DEC-31-1998 DEC-31-1998 2,349 0 3,036 50 0 0 556,356 9,469 563,677 0 306,824 0 10 168 168,603 563,677 0 40,214 0 15,917 2,527 0 12,630 0 0 9,279 0 0 0 4,696 0.48 0.47 REFLECTS NONRECURRING REFORMATION COST OF $637 ASSOCIATED WITH THE REFORMATION OF THE COMPANY AS A MARYLAND TRUST.