<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                                       
<PERIOD-TYPE>                   YEAR                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997             DEC-31-1996
<PERIOD-START>                             JAN-01-1998             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               DEC-31-1998             DEC-31-1997             DEC-31-1996
<CASH>                                         229,734                 250,824                 263,177
<INT-BEARING-DEPOSITS>                               0                       0                       0
<FED-FUNDS-SOLD>                                     0                       0                  92,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    987,661               1,003,234                 892,461
<INVESTMENTS-CARRYING>                         226,993                 230,960                 215,432
<INVESTMENTS-MARKET>                           233,790                 236,896                 218,009
<LOANS>                                      2,297,897               2,261,937               2,287,240
<ALLOWANCE>                                     51,304                  50,630                  50,921
<TOTAL-ASSETS>                               3,844,298               3,848,444               3,866,774
<DEPOSITS>                                   3,189,005               3,078,501               3,228,700
<SHORT-TERM>                                   203,671                 264,848                 167,447
<LIABILITIES-OTHER>                             35,526                  45,443                  32,483
<LONG-TERM>                                     47,500                  52,500                  58,865
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                       195,156                 198,517                 187,210
<OTHER-SE>                                     173,440                 208,635                 192,069
<TOTAL-LIABILITIES-AND-EQUITY>               3,844,298               3,844,444               3,866,774
<INTEREST-LOAN>                                195,656                 201,999                 206,887
<INTEREST-INVEST>                               71,122                  67,036                  62,076
<INTEREST-OTHER>                                    42                   1,635                   5,219
<INTEREST-TOTAL>                               266,820                 270,670                 274,182
<INTEREST-DEPOSIT>                              71,351                  76,264                  77,585
<INTEREST-EXPENSE>                              86,655                  88,054                  91,700
<INTEREST-INCOME-NET>                          180,155                 182,616                 182,482
<LOAN-LOSSES>                                    5,180                   7,645                  12,306
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                                101,408                 137,878                 136,051
<INCOME-PRETAX>                                111,372                  74,106                  70,432
<INCOME-PRE-EXTRAORDINARY>                      73,396                  48,116                  46,827
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                    73,396                  48,116                  46,827
<EPS-PRIMARY>                                     1.76                    1.12                    1.10
<EPS-DILUTED>                                     1.73                    1.01                    1.08
<YIELD-ACTUAL>                                    8.02                    8.21                    8.21
<LOANS-NON>                                      8,532                  18,146                  16,835
<LOANS-PAST>                                       522                   1,009                   1,735
<LOANS-TROUBLED>                                     0                       0                     224
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                50,630                  50,921                  48,494
<CHARGE-OFFS>                                    8,568                  12,484                  16,017
<RECOVERIES>                                     4,062                   4,548                   4,473
<ALLOWANCE-CLOSE>                               51,304                  50,630                  50,921
<ALLOWANCE-DOMESTIC>                            16,990                  31,466                  35,246
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                         34,314                  19,164                  15,675