<ARTICLE>                                         9
<MULTIPLIER>                                  1,000
       
                                     
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                       DEC-31-1995
<PERIOD-START>                          JAN-1-1995
<PERIOD-END>                            SEP-30-1995
<CASH>                                      142,793
<INT-BEARING-DEPOSITS>                          224
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<TRADING-ASSETS>                                  0
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<INVESTMENTS-MARKET>                        230,147
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<INTEREST-EXPENSE>                           93,355
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<LOAN-LOSSES>                                 4,400
<SECURITIES-GAINS>                                7
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<YIELD-ACTUAL>                                4.800
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<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                       5,029