<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