[ARTICLE] 9

                             
[PERIOD-TYPE]                   12-MOS
[FISCAL-YEAR-END]                          DEC 31 1994
[PERIOD-END]                               DEC 31 1994
[CASH]                                         983,440
[INT-BEARING-DEPOSITS]                             125
[FED-FUNDS-SOLD]                               165,000
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                  3,851,598
[INVESTMENTS-CARRYING]                       6,335,104
[INVESTMENTS-MARKET]                         6,211,731
[LOANS]                                     28,378,368
[ALLOWANCE]                                    438,051
[TOTAL-ASSETS]                              42,218,257
[DEPOSITS]                                  28,700,947
[SHORT-TERM]                                 7,324,496
[LIABILITIES-OTHER]                            912,864
[LONG-TERM]                                  2,796,164
[COMMON]                                       134,316
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                    294,375
[OTHER-SE]                                   2,055,095
[TOTAL-LIABILITIES-AND-EQUITY]              42,218,257
[INTEREST-LOAN]                              2,321,269
[INTEREST-INVEST]                              304,886
[INTEREST-OTHER]                                32,948
[INTEREST-TOTAL]                             2,659,103
[INTEREST-DEPOSIT]                             950,299
[INTEREST-EXPENSE]                           1,307,448
[INTEREST-INCOME-NET]                        1,351,655
[LOAN-LOSSES]                                  207,200
[SECURITIES-GAINS]                               3,578
[EXPENSE-OTHER]                              1,076,433
[INCOME-PRETAX]                                406,534
[INCOME-PRE-EXTRAORDINARY]                     251,234
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                   251,234
[EPS-PRIMARY]                                     1.69
[EPS-DILUTED]                                     1.69
[YIELD-ACTUAL]                                    3.08
[LOANS-NON]                                    565,152
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                               124,711
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                               502,269
[CHARGE-OFFS]                                  292,074
[RECOVERIES]                                    20,656
[ALLOWANCE-CLOSE]                              438,051
[ALLOWANCE-DOMESTIC]                           438,051
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                              0