<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                          78,292
<INT-BEARING-DEPOSITS>                           1,116
<FED-FUNDS-SOLD>                                 2,188
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    458,837
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,540,641
<ALLOWANCE>                                     14,972
<TOTAL-ASSETS>                               2,163,428
<DEPOSITS>                                   1,810,384
<SHORT-TERM>                                   115,478
<LIABILITIES-OTHER>                             19,759
<LONG-TERM>                                     30,710
<COMMON>                                        68,745
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     32,560
<OTHER-SE>                                      85,792
<TOTAL-LIABILITIES-AND-EQUITY>               2,163,428
<INTEREST-LOAN>                                 99,413
<INTEREST-INVEST>                               21,252
<INTEREST-OTHER>                                 2,048
<INTEREST-TOTAL>                               122,713
<INTEREST-DEPOSIT>                              54,796
<INTEREST-EXPENSE>                               5,163
<INTEREST-INCOME-NET>                           62,754
<LOAN-LOSSES>                                    2,940
<SECURITIES-GAINS>                               1,274
<EXPENSE-OTHER>                                 68,293
<INCOME-PRETAX>                                 24,937
<INCOME-PRE-EXTRAORDINARY>                      24,937
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,963
<EPS-PRIMARY>                                     0.72
<EPS-DILUTED>                                     0.70
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                      7,937
<LOANS-PAST>                                       554
<LOANS-TROUBLED>                                    75
<LOANS-PROBLEM>                                 31,670
<ALLOWANCE-OPEN>                                14,859
<CHARGE-OFFS>                                    3,982
<RECOVERIES>                                     1,433
<ALLOWANCE-CLOSE>                               14,972
<ALLOWANCE-DOMESTIC>                             4,868
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,104