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

  

<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                         242,441
<INT-BEARING-DEPOSITS>                          29,969
<FED-FUNDS-SOLD>                               152,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,812,184
<INVESTMENTS-CARRYING>                         871,039
<INVESTMENTS-MARKET>                           831,436
<LOANS>                                     27,071,266
<ALLOWANCE>                                    124,003
<TOTAL-ASSETS>                              31,683,741
<DEPOSITS>                                  19,219,389
<SHORT-TERM>                                   601,821
<LIABILITIES-OTHER>                            738,201
<LONG-TERM>                                  9,124,056
<COMMON>                                             0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,859
<OTHER-SE>                                   1,994,415
<TOTAL-LIABILITIES-AND-EQUITY>              31,683,741
<INTEREST-LOAN>                              1,649,413
<INTEREST-INVEST>                              123,137
<INTEREST-OTHER>                               103,454
<INTEREST-TOTAL>                             1,876,477
<INTEREST-DEPOSIT>                             714,353
<INTEREST-EXPENSE>                           1,155,107
<INTEREST-INCOME-NET>                          721,370
<LOAN-LOSSES>                                   62,966
<SECURITIES-GAINS>                               (120)
<EXPENSE-OTHER>                                305,508
<INCOME-PRETAX>                                390,382
<INCOME-PRE-EXTRAORDINARY>                     390,382
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   230,449
<EPS-PRIMARY>                                     3.71
<EPS-DILUTED>                                     3.71
<YIELD-ACTUAL>                                    6.81
<LOANS-NON>                                    284,103
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                72,827
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               106,698
<CHARGE-OFFS>                                   46,556
<RECOVERIES>                                       895
<ALLOWANCE-CLOSE>                              124,003
<ALLOWANCE-DOMESTIC>                           124,003
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0