<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               DEC-31-1995             DEC-31-1994
<CASH>                                      11,694,413               9,784,155
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             1,850,000               2,900,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 39,943,942              47,294,807
<INVESTMENTS-CARRYING>                      33,947,383              16,873,500
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    191,906,433             168,781,491
<ALLOWANCE>                                  2,216,511               2,053,843
<TOTAL-ASSETS>                             291,411,896             256,686,534
<DEPOSITS>                                 237,160,381             209,480,251
<SHORT-TERM>                                19,744,966              16,950,086
<LIABILITIES-OTHER>                          2,751,409               2,252,719
<LONG-TERM>                                  4,651,903               4,124,730
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       733,399                 714,824
<OTHER-SE>                                  26,369,838              23,163,924
<TOTAL-LIABILITIES-AND-EQUITY>             291,411,896             256,686,534
<INTEREST-LOAN>                             17,721,537              14,623,955
<INTEREST-INVEST>                            4,573,414               3,709,141
<INTEREST-OTHER>                               197,635                 113,435
<INTEREST-TOTAL>                            22,492,586              18,446,531
<INTEREST-DEPOSIT>                          10,039,401               7,106,421
<INTEREST-EXPENSE>                          11,181,253               7,971,086
<INTEREST-INCOME-NET>                       11,311,333              10,475,445
<LOAN-LOSSES>                                  364,449                 402,000
<SECURITIES-GAINS>                              59,644                (69,534)
<EXPENSE-OTHER>                              9,628,251               8,810,146
<INCOME-PRETAX>                              4,038,542               4,134,109
<INCOME-PRE-EXTRAORDINARY>                   4,038,542               4,134,109
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 2,705,656               2,946,249
<EPS-PRIMARY>                                     3.72                    4.15
<EPS-DILUTED>                                     3.72                    4.15
<YIELD-ACTUAL>                                    4.23                    4.44
<LOANS-NON>                                    893,000                 814,000
<LOANS-PAST>                                   315,000                 158,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                              2,784,000               3,274,000
<ALLOWANCE-OPEN>                             2,054,000               1,676,133
<CHARGE-OFFS>                                  365,000                 186,000
<RECOVERIES>                                   163,000                 162,000
<ALLOWANCE-CLOSE>                            2,216,511               2,053,843
<ALLOWANCE-DOMESTIC>                         2,216,511               2,053,843
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0 
        


</TABLE>