<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                         638,411
<INT-BEARING-DEPOSITS>                       3,185,493
<FED-FUNDS-SOLD>                               109,932
<TRADING-ASSETS>                                79,004
<INVESTMENTS-HELD-FOR-SALE>                  2,138,597
<INVESTMENTS-CARRYING>                         325,628
<INVESTMENTS-MARKET>                           324,862
<LOANS>                                      2,491,693
<ALLOWANCE>                                     34,436
<TOTAL-ASSETS>                               6,096,609
<DEPOSITS>                                   4,599,883
<SHORT-TERM>                                     1,995
<LIABILITIES-OTHER>                             60,493
<LONG-TERM>                                     51,859
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        22,548
<OTHER-SE>                                     544,909
<TOTAL-LIABILITIES-AND-EQUITY>               6,096,609
<INTEREST-LOAN>                                164,813
<INTEREST-INVEST>                              105,867
<INTEREST-OTHER>                                 7,952
<INTEREST-TOTAL>                               278,632
<INTEREST-DEPOSIT>                              92,410
<INTEREST-EXPENSE>                             123,597
<INTEREST-INCOME-NET>                          155,035
<LOAN-LOSSES>                                    8,476
<SECURITIES-GAINS>                                 469
<EXPENSE-OTHER>                                179,680
<INCOME-PRETAX>                                 70,056
<INCOME-PRE-EXTRAORDINARY>                      70,056
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    46,573
<EPS-PRIMARY>                                     2.44
<EPS-DILUTED>                                     2.44
<YIELD-ACTUAL>                                    4.14
<LOANS-NON>                                     13,109
<LOANS-PAST>                                     6,569
<LOANS-TROUBLED>                                   530
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                32,685
<CHARGE-OFFS>                                    8,469
<RECOVERIES>                                     1,744
<ALLOWANCE-CLOSE>                               34,436
<ALLOWANCE-DOMESTIC>                            34,436
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0