<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
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<TRADING-ASSETS>                                     0
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<COMMON>                                             0
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<LOAN-LOSSES>                                   62,966
<SECURITIES-GAINS>                               (120)
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