<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-1-1995 <PERIOD-END> SEP-30-1995 <CASH> 137,276 <INT-BEARING-DEPOSITS> 15,390 <FED-FUNDS-SOLD> 16,150 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 140,129 <INVESTMENTS-CARRYING> 140,129 <INVESTMENTS-MARKET> 140,129 <LOANS> 2,068,264 <ALLOWANCE> 30,811 <TOTAL-ASSETS> 2,909,082 <DEPOSITS> 2,536,111 <SHORT-TERM> 39,718 <LIABILITIES-OTHER> 37,935 <LONG-TERM> 45,566 <COMMON> 22,548 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 227,204 <TOTAL-LIABILITIES-AND-EQUITY> 2,909,082 <INTEREST-LOAN> 134,488 <INTEREST-INVEST> 22,923 <INTEREST-OTHER> 6,921 <INTEREST-TOTAL> 166,547 <INTEREST-DEPOSIT> 69,716 <INTEREST-EXPENSE> 74,005 <INTEREST-INCOME-NET> 92,542 <LOAN-LOSSES> 4,132 <SECURITIES-GAINS> (714) <EXPENSE-OTHER> 74,525 <INCOME-PRETAX> 34,905 <INCOME-PRE-EXTRAORDINARY> 23,887 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 23,887 <EPS-PRIMARY> 2.66 <EPS-DILUTED> 2.66 <YIELD-ACTUAL> 4.93 <LOANS-NON> 2,494 <LOANS-PAST> 3,301 <LOANS-TROUBLED> 506 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 28,242 <CHARGE-OFFS> 2,695 <RECOVERIES> 1,133 <ALLOWANCE-CLOSE> 30,811 <ALLOWANCE-DOMESTIC> 30,811 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0