<ARTICLE> 9  
<LEGEND>
This schedule contains summary financial information extracted from The FORM
10-K dated 12/31/95 and is qualified in its entirety by reference to such FORM
10-K filing.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                      24,106,635
<INT-BEARING-DEPOSITS>                       3,009,030
<FED-FUNDS-SOLD>                            45,200,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 52,031,990
<INVESTMENTS-CARRYING>                     803,765,778
<INVESTMENTS-MARKET>                       807,705,658
<LOANS>                                  1,438,461,279
<ALLOWANCE>                                  6,878,072
<TOTAL-ASSETS>                           2,416,953,364
<DEPOSITS>                               1,704,466,523
<SHORT-TERM>                               464,662,500
<LIABILITIES-OTHER>                         23,869,748
<LONG-TERM>                                 52,280,921
<COMMON>                                             0
<PREFERRED-MANDATORY>                       15,541,988
<PREFERRED>                                          0
<OTHER-SE>                                 156,131,683
<TOTAL-LIABILITIES-AND-EQUITY>           2,416,953,364
<INTEREST-LOAN>                            105,198,541
<INTEREST-INVEST>                           58,441,151
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                           163,639,692
<INTEREST-DEPOSIT>                          75,771,695
<INTEREST-EXPENSE>                         107,602,066
<INTEREST-INCOME-NET>                       56,037,626
<LOAN-LOSSES>                                  792,167
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             47,433,391
<INCOME-PRETAX>                             17,235,118
<INCOME-PRE-EXTRAORDINARY>                  17,235,118
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                17,235,118
<EPS-PRIMARY>                                    2.629
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  6,388,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                             1,810,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             7,820,406
<CHARGE-OFFS>                                1,743,571
<RECOVERIES>                                   597,399
<ALLOWANCE-CLOSE>                            6,878,072
<ALLOWANCE-DOMESTIC>                         6,878,072
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0