<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1995 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                       2,345,891
<INT-BEARING-DEPOSITS>                       1,263,488
<FED-FUNDS-SOLD>                               923,487
<TRADING-ASSETS>                               928,703
<INVESTMENTS-HELD-FOR-SALE>                  2,387,909
<INVESTMENTS-CARRYING>                       1,856,568
<INVESTMENTS-MARKET>                         1,822,516
<LOANS>                                     30,438,622
<ALLOWANCE>                                  (695,535)
<TOTAL-ASSETS>                              43,461,912
<DEPOSITS>                                  28,274,670
<SHORT-TERM>                                 7,751,824
<LIABILITIES-OTHER>                          2,014,375
<LONG-TERM>                                  2,092,895
<COMMON>                                       250,126
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    508,436
<OTHER-SE>                                   2,569,586
<TOTAL-LIABILITIES-AND-EQUITY>              43,461,912
<INTEREST-LOAN>                                746,016
<INTEREST-INVEST>                               75,613
<INTEREST-OTHER>                               211,687
<INTEREST-TOTAL>                             1,033,316
<INTEREST-DEPOSIT>                             361,528
<INTEREST-EXPENSE>                             607,366
<INTEREST-INCOME-NET>                          425,950
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                               6,127
<EXPENSE-OTHER>                                105,308
<INCOME-PRETAX>                                245,965
<INCOME-PRE-EXTRAORDINARY>                     125,344
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   125,344
<EPS-PRIMARY>                                     1.08
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    4.56
<LOANS-NON>                                    350,708
<LOANS-PAST>                                     6,727
<LOANS-TROUBLED>                                43,322
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               680,196
<CHARGE-OFFS>                                 (53,502)
<RECOVERIES>                                    11,541
<ALLOWANCE-CLOSE>                              695,535
<ALLOWANCE-DOMESTIC>                           421,700
<ALLOWANCE-FOREIGN>                            149,300
<ALLOWANCE-UNALLOCATED>                        124,535