<ARTICLE>                                         9
<MULTIPLIER>                                  1,000
       
                                     
<PERIOD-TYPE>                           9-MOS
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<PERIOD-START>                          JAN-1-1996
<PERIOD-END>                            SEP-30-1996
<CASH>                                      184,770
<INT-BEARING-DEPOSITS>                          524
<FED-FUNDS-SOLD>                            100,398
<TRADING-ASSETS>                                  0
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<INVESTMENTS-CARRYING>                       48,446
<INVESTMENTS-MARKET>                         49,585
<LOANS>                                   3,068,910
<ALLOWANCE>                                  45,837
<TOTAL-ASSETS>                            4,366,324
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<SHORT-TERM>                                 39,437
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<COMMON>                                     97,061
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<INTEREST-DEPOSIT>                          108,711
<INTEREST-EXPENSE>                          110,258
<INTEREST-INCOME-NET>                       132,128
<LOAN-LOSSES>                                 6,000
<SECURITIES-GAINS>                             (134)
<EXPENSE-OTHER>                             110,160
<INCOME-PRETAX>                              54,435
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<EPS-PRIMARY>                                 1.460
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<ALLOWANCE-DOMESTIC>                         40,049
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                       5,788