<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FIRST
QUARTER CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                         259,074
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                98,661
<TRADING-ASSETS>                                   615
<INVESTMENTS-HELD-FOR-SALE>                  1,011,396
<INVESTMENTS-CARRYING>                         346,305
<INVESTMENTS-MARKET>                           342,675
<LOANS>                                      3,189,954
<ALLOWANCE>                                     51,716
<TOTAL-ASSETS>                               5,179,828
<DEPOSITS>                                   4,496,646
<SHORT-TERM>                                   170,610
<LIABILITIES-OTHER>                             64,666
<LONG-TERM>                                      7,170
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        82,069
<OTHER-SE>                                     358,667
<TOTAL-LIABILITIES-AND-EQUITY>               5,179,828
<INTEREST-LOAN>                                 71,212
<INTEREST-INVEST>                               20,359
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                91,571
<INTEREST-DEPOSIT>                              37,039
<INTEREST-EXPENSE>                              39,624
<INTEREST-INCOME-NET>                           51,947
<LOAN-LOSSES>                                    1,572
<SECURITIES-GAINS>                                  65
<EXPENSE-OTHER>                                 51,476
<INCOME-PRETAX>                                 24,507
<INCOME-PRE-EXTRAORDINARY>                      24,507
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,901
<EPS-PRIMARY>                                     0.58
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                     11,267
<LOANS-PAST>                                     6,840
<LOANS-TROUBLED>                                   223
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                51,341
<CHARGE-OFFS>                                    2,269
<RECOVERIES>                                     1,072
<ALLOWANCE-CLOSE>                               51,716
<ALLOWANCE-DOMESTIC>                            37,753
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         13,963