<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition, the Consolidated Statement of Earnings and
Management's Discussion / Analysis and Statistical Information and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                          76,138
<INT-BEARING-DEPOSITS>                           2,380
<FED-FUNDS-SOLD>                                63,815
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    494,046
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,455,229
<ALLOWANCE>                                     14,689
<TOTAL-ASSETS>                               2,172,047
<DEPOSITS>                                   1,813,292
<SHORT-TERM>                                   100,872
<LIABILITIES-OTHER>                             17,602
<LONG-TERM>                                     48,134
<COMMON>                                        65,232
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     34,698
<OTHER-SE>                                      92,217
<TOTAL-LIABILITIES-AND-EQUITY>               2,172,047
<INTEREST-LOAN>                                 33,241
<INTEREST-INVEST>                                6,762
<INTEREST-OTHER>                                   936
<INTEREST-TOTAL>                                40,939
<INTEREST-DEPOSIT>                              18,570
<INTEREST-EXPENSE>                              20,408
<INTEREST-INCOME-NET>                           20,531
<LOAN-LOSSES>                                      559
<SECURITIES-GAINS>                                 325
<EXPENSE-OTHER>                                 21,761
<INCOME-PRETAX>                                  9,765
<INCOME-PRE-EXTRAORDINARY>                       9,765
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,607
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    4.19
<LOANS-NON>                                      8,128
<LOANS-PAST>                                     1,044
<LOANS-TROUBLED>                                    78
<LOANS-PROBLEM>                                 27,614
<ALLOWANCE-OPEN>                                14,859
<CHARGE-OFFS>                                    1,479
<RECOVERIES>                                       750
<ALLOWANCE-CLOSE>                               14,689
<ALLOWANCE-DOMESTIC>                             6,332
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          8,357