<ARTICLE>     9
       
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
     THE BALANCE SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION
     AND ANALYSIS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
     FINANCIAL STATEMENTS AND MANAGEMENT DISCUSSION.
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                            DEC-31-1995
<PERIOD-END>                                 DEC-31-1995
<CASH>                                         1,421,941
<INT-BEARING-DEPOSITS>                         5,975,178
<FED-FUNDS-SOLD>                               5,754,119
<TRADING-ASSETS>                                 503,839
<INVESTMENTS-HELD-FOR-SALE>                    5,535,364
<INVESTMENTS-CARRYING>                           824,399
<INVESTMENTS-MARKET>                             829,133
<LOANS>                                        3,986,142
<ALLOWANCE>                                       63,491
<TOTAL-ASSETS>                                25,785,187
<DEPOSITS>                                    16,647,219
<SHORT-TERM>                                   6,206,676
<LIABILITIES-OTHER>                            1,217,192
<LONG-TERM>                                      126,576
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          82,695
<OTHER-SE>                                     1,504,829
<TOTAL-LIABILITIES-AND-EQUITY>                25,785,187
<INTEREST-LOAN>                                  242,015
<INTEREST-INVEST>                                429,947
<INTEREST-OTHER>                                 664,657
<INTEREST-TOTAL>                               1,336,619
<INTEREST-DEPOSIT>                               416,047
<INTEREST-EXPENSE>                               907,185
<INTEREST-INCOME-NET>                            429,434
<LOAN-LOSSES>                                      8,000
<SECURITIES-GAINS>                                12,330
<EXPENSE-OTHER>                                1,174,016
<INCOME-PRETAX>                                  336,490
<INCOME-PRE-EXTRAORDINARY>                       366,490
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     247,109
<EPS-PRIMARY>                                       2.98
<EPS-DILUTED>                                       2.95
<YIELD-ACTUAL>                                      5.93
<LOANS-NON>                                       15,502
<LOANS-PAST>                                         250
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                  58,184
<CHARGE-OFFS>                                      6,726
<RECOVERIES>                                       4,033
<ALLOWANCE-CLOSE>                                 63,491
<ALLOWANCE-DOMESTIC>                              53,802
<ALLOWANCE-FOREIGN>                                9,689
<ALLOWANCE-UNALLOCATED>                                0