<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996  
<PERIOD-START>                             JAN-01-1996 
<PERIOD-END>                               JUN-30-1996  
<CASH>                                         267,794  
<INT-BEARING-DEPOSITS>                       4,436,916            
<FED-FUNDS-SOLD>                                97,567
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         840,450
<INVESTMENTS-MARKET>                           835,126
<LOANS>                                      4,511,802
<ALLOWANCE>                                     82,520
<TOTAL-ASSETS>                               6,056,034
<DEPOSITS>                                   5,035,098
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             59,059
<LONG-TERM>                                    112,118<F1>      
<COMMON>                                         1,734    
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     446,958
<TOTAL-LIABILITIES-AND-EQUITY>               6,056,034
<INTEREST-LOAN>                                327,889
<INTEREST-INVEST>                               26,082
<INTEREST-OTHER>                                 7,015
<INTEREST-TOTAL>                               360,986
<INTEREST-DEPOSIT>                             122,902
<INTEREST-EXPENSE>                             137,640
<INTEREST-INCOME-NET>                          223,346
<LOAN-LOSSES>                                   76,973
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                184,406
<INCOME-PRETAX>                                 48,216
<INCOME-PRE-EXTRAORDINARY>                      29,300
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    29,300
<EPS-PRIMARY>                                    84.49
<EPS-DILUTED>                                    84.49
<YIELD-ACTUAL>                                       0<F2>
<LOANS-NON>                                      7,323
<LOANS-PAST>                                    56,729
<LOANS-TROUBLED>                                     0<F2>
<LOANS-PROBLEM>                                      0<F2>
<ALLOWANCE-OPEN>                                67,740     
<CHARGE-OFFS>                                   71,573     
<RECOVERIES>                                     9,380    
<ALLOWANCE-CLOSE>                               82,520     
<ALLOWANCE-DOMESTIC>                                 0<F2>
<ALLOWANCE-FOREIGN>                                  0<F2>
<ALLOWANCE-UNALLOCATED>                              0<F2>
<FN>
<F1>  INCLUDES 96,928 IN CAPITAL NOTES
<F2>  THIS INFORMATION IS NOT REQUIRED FOR INTERIM REPORTING PURPOSES.
</FN>