<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS RESTATED SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CURRENT REPORT ON FORM 8-K FOR THE YEAR ENDED DECEMBER 31,1994 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH SUPPLEMENTAL FINANCIAL STATEMENTS.
</LEGEND>
       
                                                      
<PERIOD-TYPE>                       12-MOS
<FISCAL-YEAR-END>                         DEC-31-1994
<PERIOD-END>                              DEC-31-1994
<CASH>                                          3,146
<INT-BEARING-DEPOSITS>                          1,559
<FED-FUNDS-SOLD>                                1,323
<TRADING-ASSETS>                                  581
<INVESTMENTS-HELD-FOR-SALE>                     3,262
<INVESTMENTS-CARRYING>                          4,238
<INVESTMENTS-MARKET>                            4,086
<LOANS>                                        37,708
<ALLOWANCE>                                      (827)
<TOTAL-ASSETS>                                 55,411
<DEPOSITS>                                     40,249
<SHORT-TERM>                                    6,988
<LIABILITIES-OTHER>                             2,024
<LONG-TERM>                                     2,219
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                       508
<COMMON>                                          336
<OTHER-SE>                                      3,087
<TOTAL-LIABILITIES-AND-EQUITY>                 55,411
<INTEREST-LOAN>                                 3,117
<INTEREST-INVEST>                                 380
<INTEREST-OTHER>                                  879
<INTEREST-TOTAL>                                4,376
<INTEREST-DEPOSIT>                              1,301
<INTEREST-EXPENSE>                              2,339
<INTEREST-INCOME-NET>                           2,037
<LOAN-LOSSES>                                     154
<SECURITIES-GAINS>                                 14
<EXPENSE-OTHER>                                   532
<INCOME-PRETAX>                                   971
<INCOME-PRE-EXTRAORDINARY>                        549
<EXTRAORDINARY>                                   (7)
<CHANGES>                                           0
<NET-INCOME>                                      542
<EPS-PRIMARY>                                    3.39
<EPS-DILUTED>                                    3.31
<YIELD-ACTUAL>                                   4.32
<LOANS-NON>                                       420
<LOANS-PAST>                                       49
<LOANS-TROUBLED>                                   82
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  941
<CHARGE-OFFS>                                    (260)
<RECOVERIES>                                       86
<ALLOWANCE-CLOSE>                                 827
<ALLOWANCE-DOMESTIC>                              637
<ALLOWANCE-FOREIGN>                                99
<ALLOWANCE-UNALLOCATED>                            91