<ARTICLE> 9
<LEGEND>
In first column Year End December 31, 1995 figures for the Historical
Basis appear and in the second column Year End December 31, 1995 figures
for the Supplemental Combined Basis appears.
</LEGEND>
<PERIOD-TYPE> 12-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995
<PERIOD-END> DEC-31-1995 DEC-31-1995
<CASH> 4,239,737 6,312,076
<INT-BEARING-DEPOSITS> 44,284 79,235
<FED-FUNDS-SOLD> 4,122,754 4,152,754
<TRADING-ASSETS> 1,804,391 1,881,066
<INVESTMENTS-HELD-FOR-SALE> 12,716,963 18,193,699
<INVESTMENTS-CARRYING> 2,454,317 3,139,616
<INVESTMENTS-MARKET> 2,607,755 3,319,602
<LOANS> 66,801,982 92,108,835
<ALLOWANCE> (966,511) (1,507,798)
<TOTAL-ASSETS> 96,740,496 131,879,873
<DEPOSITS> 65,000,301 92,555,218
<SHORT-TERM> 16,598,072 19,500,127
<LIABILITIES-OTHER> 2,065,551 3,044,136
<LONG-TERM> 6,444,327 7,120,947
<PREFERRED-MANDATORY> 571,791 926,152
<PREFERRED> 0 0
<COMMON> 0 183,223
<OTHER-SE> 5,580,655 7,933,769
<TOTAL-LIABILITIES-AND-EQUITY> 96,740,496 131,879,873
<INTEREST-LOAN> 5,338,240 7,222,842
<INTEREST-INVEST> 801,911 1,215,821
<INTEREST-OTHER> 148,253 156,705
<INTEREST-TOTAL> 6,373,830 8,686,377
<INTEREST-DEPOSIT> 2,078,691 2,853,328
<INTEREST-EXPENSE> 3,111,054 4,051,815
<INTEREST-INCOME-NET> 3,262,776 4,634,562
<LOAN-LOSSES> 180,000 220,000
<SECURITIES-GAINS> 22,009 49,158
<EXPENSE-OTHER> 2,975,372 4,092,469
<INCOME-PRETAX> 1,558,664 2,218,601
<INCOME-PRE-EXTRAORDINARY> 1,013,076 1,430,181
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1,013,076 1,430,181
<EPS-PRIMARY> 5.85 5.04
<EPS-DILUTED> 5.85 5.04
<YIELD-ACTUAL> 4.41 4.46
<LOANS-NON> 500,574 644,081
<LOANS-PAST> 146,764 289,866
<LOANS-TROUBLED> 599 3,772
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 978,795 1,578,128
<CHARGE-OFFS> 326,340 462,781
<RECOVERIES> 85,830 123,785
<ALLOWANCE-CLOSE> 966,511 1,507,798
<ALLOWANCE-DOMESTIC> 733,653 1,242,940
<ALLOWANCE-FOREIGN> 2,752 34,752
<ALLOWANCE-UNALLOCATED> 230,106 230,106