<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   year
<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
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<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
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<NET-INCOME>                                   251,234
<EPS-PRIMARY>                                     1.69
<EPS-DILUTED>                                     1.69
<YIELD-ACTUAL>                                    3.08
<LOANS-NON>                                    565,152
<LOANS-PAST>                                         0
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<CHARGE-OFFS>                                  292,074
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<ALLOWANCE-CLOSE>                              438,051
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<ALLOWANCE-FOREIGN>                                  0
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