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<PERIOD-TYPE>                   3-MOS                      3-MOS 
<FISCAL-YEAR-END>                      DEC-31-1995               DEC-31-1994
<PERIOD-START>                         JAN-01-1995               JAN-01-1995
<PERIOD-END>                           MAR-31-1995               MAR-31-1994
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<SECURITIES-GAINS>                              (2)                      (49)
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