<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                                                                             <C>
<PERIOD-TYPE>                                                                   9-MOS
<FISCAL-YEAR-END>                                                               DEC-31-1995
<PERIOD-END>                                                                    SEP-30-1995
<CASH>                                                                             173,994
<INT-BEARING-DEPOSITS>                                                             164,001
<FED-FUNDS-SOLD>                                                                   425,730
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                      1,547,957
<INVESTMENTS-CARRYING>                                                           3,705,432
<INVESTMENTS-MARKET>                                                             3,756,303
<LOANS>                                                                         27,951,161
<ALLOWANCE>                                                                        137,377
<TOTAL-ASSETS>                                                                  34,598,272
<DEPOSITS>                                                                      20,559,933
<SHORT-TERM>                                                                     1,865,172
<LIABILITIES-OTHER>                                                                814,273
<LONG-TERM>                                                                      9,162,733
<COMMON>                                                                             5,866
<PREFERRED-MANDATORY>                                                                    0 
<PREFERRED>                                                                              0 
<OTHER-SE>                                                                       2,190,295
<TOTAL-LIABILITIES-AND-EQUITY>                                                  34,598,272
<INTEREST-LOAN>                                                                  1,557,366
<INTEREST-INVEST>                                                                  112,935
<INTEREST-OTHER>                                                                   117,511
<INTEREST-TOTAL>                                                                 1,787,812
<INTEREST-DEPOSIT>                                                                 779,795
<INTEREST-EXPENSE>                                                               1,261,647
<INTEREST-INCOME-NET>                                                              526,165
<LOAN-LOSSES>                                                                       44,052
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                    237,408
<INCOME-PRETAX>                                                                    275,420
<INCOME-PRE-EXTRAORDINARY>                                                         275,420
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                       167,875
<EPS-PRIMARY>                                                                         2.86
<EPS-DILUTED>                                                                         2.86
<YIELD-ACTUAL>                                                                        7.58
<LOANS-NON>                                                                        301,586
<LOANS-PAST>                                                                             0 
<LOANS-TROUBLED>                                                                    56,493
<LOANS-PROBLEM>                                                                          0 
<ALLOWANCE-OPEN>                                                                   124,003
<CHARGE-OFFS>                                                                       31,997
<RECOVERIES>                                                                         1,319
<ALLOWANCE-CLOSE>                                                                  137,377
<ALLOWANCE-DOMESTIC>                                                               137,377
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0
        

</TABLE>