[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] JUN-30-1996
[CASH] 3,162,769
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 2,486,862
[INVESTMENTS-CARRYING] 4,654,963
[INVESTMENTS-MARKET] 4,659,871
[LOANS] 18,423,942
[ALLOWANCE] 161,025
[TOTAL-ASSETS] 29,330,150
[DEPOSITS] 26,683,641
[SHORT-TERM] 0
[LIABILITIES-OTHER] 274,676
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 625,000
[OTHER-SE] 1,746,833
[TOTAL-LIABILITIES-AND-EQUITY] 2,371,833
[INTEREST-LOAN] 842,514
[INTEREST-INVEST] 202,840
[INTEREST-OTHER] 39,520
[INTEREST-TOTAL] 1,084,874
[INTEREST-DEPOSIT] 522,970
[INTEREST-EXPENSE] 522,970
[INTEREST-INCOME-NET] 561,904
[LOAN-LOSSES] 18,000
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 393,282
[INCOME-PRETAX] 222,226
[INCOME-PRE-EXTRAORDINARY] 222,226
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 150,051
[EPS-PRIMARY] 2.40
[EPS-DILUTED] 2.40
[YIELD-ACTUAL] 4.42
[LOANS-NON] 19,867
[LOANS-PAST] 0
[LOANS-TROUBLED] 60,299
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 144,100
[CHARGE-OFFS] 2,155
[RECOVERIES] 1,080
[ALLOWANCE-CLOSE] 161,025
[ALLOWANCE-DOMESTIC] 65,853
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 95,172
</TABLE>
