<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED SEPTEMBER 30, 1994 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> SEP-30-1994 <CASH> 2,084,343 <INT-BEARING-DEPOSITS> 1,172,763 <FED-FUNDS-SOLD> 1,947,485 <TRADING-ASSETS> 755,490 <INVESTMENTS-HELD-FOR-SALE> 2,214,036 <INVESTMENTS-CARRYING> 2,021,986 <INVESTMENTS-MARKET> 1,974,423 <LOANS> 30,880,779 <ALLOWANCE> (676,534) <TOTAL-ASSETS> 44,293,918 <DEPOSITS> 30,312,539 <SHORT-TERM> 7,283,209 <LIABILITIES-OTHER> 1,454,367 <LONG-TERM> 2,131,051 <COMMON> 241,131 <PREFERRED-MANDATORY> 0 <PREFERRED> 508,436 <OTHER-SE> 2,363,185 <TOTAL-LIABILITIES-AND-EQUITY> 44,293,918 <INTEREST-LOAN> 1,853,503 <INTEREST-INVEST> 165,190 <INTEREST-OTHER> 628,596 <INTEREST-TOTAL> 2,647,289 <INTEREST-DEPOSIT> 815,592 <INTEREST-EXPENSE> 1,508,183 <INTEREST-INCOME-NET> 1,139,106 <LOAN-LOSSES> 95,000 <SECURITIES-GAINS> 11,150 <EXPENSE-OTHER> 286,444 <INCOME-PRETAX> 576,257 <INCOME-PRE-EXTRAORDINARY> 321,144 <EXTRAORDINARY> (6,535) <CHANGES> 0 <NET-INCOME> 314,609 <EPS-PRIMARY> 2.69 <EPS-DILUTED> 2.60 <YIELD-ACTUAL> 4.05 <LOANS-NON> 377,564 <LOANS-PAST> 20,247 <LOANS-TROUBLED> 72,163 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 770,279 <CHARGE-OFFS> (143,869) <RECOVERIES> 49,327 <ALLOWANCE-CLOSE> 676,534 <ALLOWANCE-DOMESTIC> 472,254 <ALLOWANCE-FOREIGN> 92,450 <ALLOWANCE-UNALLOCATED> 111,830