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<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                               5                       3
<SECURITIES>                                       560                     585
<RECEIVABLES>                                      149                      91
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<PREFERRED>                                         44                      44
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<CGS>                                                0                       0
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<INTEREST-EXPENSE>                                  50                      46
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<EPS-PRIMARY>                                      .66                   10.30
<EPS-DILUTED>                                      .60                    9.36