<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
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<TRADING-ASSETS>                                     0
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<LIABILITIES-OTHER>                              8,786
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<INTEREST-INVEST>                               30,261
<INTEREST-OTHER>                                 3,023
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<INTEREST-EXPENSE>                              45,051
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<LOAN-LOSSES>                                    2,587
<SECURITIES-GAINS>                                 748
<EXPENSE-OTHER>                                 54,339
<INCOME-PRETAX>                                 29,985
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<RECOVERIES>                                       728
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