<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         236,314
<INT-BEARING-DEPOSITS>                             670
<FED-FUNDS-SOLD>                                27,977
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    437,440
<INVESTMENTS-CARRYING>                         417,195
<INVESTMENTS-MARKET>                           417,541
<LOANS>                                      3,159,853
<ALLOWANCE>                                     47,422
<TOTAL-ASSETS>                               4,419,079
<DEPOSITS>                                   3,508,041
<SHORT-TERM>                                   444,066
<LIABILITIES-OTHER>                             52,697
<LONG-TERM>                                     21,130
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           221
<OTHER-SE>                                     392,924
<TOTAL-LIABILITIES-AND-EQUITY>               4,419,079
<INTEREST-LOAN>                                261,702
<INTEREST-INVEST>                               48,745
<INTEREST-OTHER>                                 1,285
<INTEREST-TOTAL>                               311,732
<INTEREST-DEPOSIT>                             121,132
<INTEREST-EXPENSE>                             142,477
<INTEREST-INCOME-NET>                          164,590
<LOAN-LOSSES>                                    4,665
<SECURITIES-GAINS>                                 913
<EXPENSE-OTHER>                                140,385
<INCOME-PRETAX>                                 89,288
<INCOME-PRE-EXTRAORDINARY>                      57,244
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    57,244
<EPS-PRIMARY>                                     2.60
<EPS-DILUTED>                                     2.60
<YIELD-ACTUAL>                                    8.22
<LOANS-NON>                                     17,225
<LOANS-PAST>                                     1,801
<LOANS-TROUBLED>                                   534
<LOANS-PROBLEM>                                 53,962
<ALLOWANCE-OPEN>                                41,614
<CHARGE-OFFS>                                    4,877
<RECOVERIES>                                     2,509
<ALLOWANCE-CLOSE>                               47,422
<ALLOWANCE-DOMESTIC>                            47,422
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0