<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1994
<PERIOD-END>                                   DEC-31-1994
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<INVESTMENTS-HELD-FOR-SALE>                    3,226,687
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<ALLOWANCE>                                    58,184
<TOTAL-ASSETS>                                 21,729,495
<DEPOSITS>                                     13,902,675
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<INTEREST-OTHER>                               375,538
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<INTEREST-DEPOSIT>                             275,300
<INTEREST-EXPENSE>                             537,540
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<LOAN-LOSSES>                                  11,569
<SECURITIES-GAINS>                             (473)
<EXPENSE-OTHER>                                262,838
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<EPS-PRIMARY>                                  2.70
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<ALLOWANCE-UNALLOCATED>                        0