<ARTICLE>                                         9
<MULTIPLIER>                                  1,000
       
                                     
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                       DEC-31-1996
<PERIOD-START>                          JAN-1-1996
<PERIOD-END>                            MAR-31-1996
<CASH>                                      178,313
<INT-BEARING-DEPOSITS>                          916
<FED-FUNDS-SOLD>                            137,693
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                 773,833
<INVESTMENTS-CARRYING>                       57,437
<INVESTMENTS-MARKET>                         59,025
<LOANS>                                   2,881,844
<ALLOWANCE>                                  44,382
<TOTAL-ASSETS>                            4,159,527
<DEPOSITS>                                3,711,485
<SHORT-TERM>                                 67,632
<LIABILITIES-OTHER>                          50,169
<LONG-TERM>                                   2,829
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                     96,667
<OTHER-SE>                                  230,745
<TOTAL-LIABILITIES-AND-EQUITY>            4,159,527
<INTEREST-LOAN>                              65,169
<INTEREST-INVEST>                            12,078
<INTEREST-OTHER>                              1,269
<INTEREST-TOTAL>                             78,516
<INTEREST-DEPOSIT>                           35,270
<INTEREST-EXPENSE>                           35,722
<INTEREST-INCOME-NET>                        42,794
<LOAN-LOSSES>                                 2,200
<SECURITIES-GAINS>                             (193)
<EXPENSE-OTHER>                              36,205
<INCOME-PRETAX>                              16,556
<INCOME-PRE-EXTRAORDINARY>                   10,553
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                 10,553
<EPS-PRIMARY>                                 0.440
<EPS-DILUTED>                                 0.440
<YIELD-ACTUAL>                                4.620
<LOANS-NON>                                   6,800
<LOANS-PAST>                                  6,884
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                              13,684
<ALLOWANCE-OPEN>                             43,464
<CHARGE-OFFS>                                 2,070
<RECOVERIES>                                    788
<ALLOWANCE-CLOSE>                            44,382
<ALLOWANCE-DOMESTIC>                         38,318
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                       6,064