<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-31-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                          79,018
<INT-BEARING-DEPOSITS>                           1,455
<FED-FUNDS-SOLD>                                34,014
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    384,112
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,591,557
<ALLOWANCE>                                     16,752
<TOTAL-ASSETS>                               2,165,890
<DEPOSITS>                                   1,747,997
<SHORT-TERM>                                   148,123
<LIABILITIES-OTHER>                             21,412
<LONG-TERM>                                     57,468
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     23,911
<COMMON>                                        70,585
<OTHER-SE>                                      96,394
<TOTAL-LIABILITIES-AND-EQUITY>               2,165,890
<INTEREST-LOAN>                                 34,942
<INTEREST-INVEST>                                6,602
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                41,544
<INTEREST-DEPOSIT>                              17,417
<INTEREST-EXPENSE>                               2,182
<INTEREST-INCOME-NET>                           19,599
<LOAN-LOSSES>                                    1,885
<SECURITIES-GAINS>                               (726)
<EXPENSE-OTHER>                                 25,201
<INCOME-PRETAX>                                 14,777
<INCOME-PRE-EXTRAORDINARY>                      14,777
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,567
<EPS-PRIMARY>                                     0.43
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    4.49
<LOANS-NON>                                      6,006
<LOANS-PAST>                                     5,173
<LOANS-TROUBLED>                                   212
<LOANS-PROBLEM>                                 30,399
<ALLOWANCE-OPEN>                                15,672
<CHARGE-OFFS>                                    1,092
<RECOVERIES>                                       287
<ALLOWANCE-CLOSE>                               16,752
<ALLOWANCE-DOMESTIC>                             8,796
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,956