<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                       2,606,453
<INT-BEARING-DEPOSITS>                         473,037
<FED-FUNDS-SOLD>                               301,561
<TRADING-ASSETS>                             1,039,284
<INVESTMENTS-HELD-FOR-SALE>                  7,171,252
<INVESTMENTS-CARRYING>                       1,482,031
<INVESTMENTS-MARKET>                         1,539,624
<LOANS>                                     30,672,641
<ALLOWANCE>                                    409,205
<TOTAL-ASSETS>                              46,049,096
<DEPOSITS>                                  25,973,349
<SHORT-TERM>                                 8,954,811
<LIABILITIES-OTHER>                          1,127,787
<LONG-TERM>                                  6,293,537
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       833,988
<OTHER-SE>                                   2,865,624
<TOTAL-LIABILITIES-AND-EQUITY>              46,049,096
<INTEREST-LOAN>                              1,229,631
<INTEREST-INVEST>                              298,645
<INTEREST-OTHER>                                47,690
<INTEREST-TOTAL>                             1,575,966
<INTEREST-DEPOSIT>                             433,280
<INTEREST-EXPENSE>                             824,800
<INTEREST-INCOME-NET>                          751,166
<LOAN-LOSSES>                                   61,738
<SECURITIES-GAINS>                                 479
<EXPENSE-OTHER>                                618,332
<INCOME-PRETAX>                                454,275
<INCOME-PRE-EXTRAORDINARY>                     309,233
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   309,233
<EPS-PRIMARY>                                     1.81
<EPS-DILUTED>                                     1.81
<YIELD-ACTUAL>                                    3.97
<LOANS-NON>                                     55,219
<LOANS-PAST>                                    63,317
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               408,808
<CHARGE-OFFS>                                   83,524
<RECOVERIES>                                    21,983
<ALLOWANCE-CLOSE>                              409,205
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0