<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-1-1996 <PERIOD-END> MAR-31-1996 <CASH> 148,159 <INT-BEARING-DEPOSITS> 13,559 <FED-FUNDS-SOLD> 47,050 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 254,885 <INVESTMENTS-CARRYING> 254,885 <INVESTMENTS-MARKET> 254,885 <LOANS> 2,343,846 <ALLOWANCE> 35,438 <TOTAL-ASSETS> 3,418,232 <DEPOSITS> 2,953,440 <SHORT-TERM> 40,884 <LIABILITIES-OTHER> 48,335 <LONG-TERM> 82,508 <COMMON> 52,792 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 240,273 <TOTAL-LIABILITIES-AND-EQUITY> 3,418,232 <INTEREST-LOAN> 54,509 <INTEREST-INVEST> 7,415 <INTEREST-OTHER> 4,055 <INTEREST-TOTAL> 66,814 <INTEREST-DEPOSIT> 28,707 <INTEREST-EXPENSE> 30,558 <INTEREST-INCOME-NET> 36,256 <LOAN-LOSSES> 1,444 <SECURITIES-GAINS> 221 <EXPENSE-OTHER> 29,666 <INCOME-PRETAX> 14,002 <INCOME-PRE-EXTRAORDINARY> 9,449 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,446 <EPS-PRIMARY> 0.45 <EPS-DILUTED> 0.45 <YIELD-ACTUAL> 4.86 <LOANS-NON> 3,725 <LOANS-PAST> 6,104 <LOANS-TROUBLED> 90 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 34,636 <CHARGE-OFFS> 1,325 <RECOVERIES> 683 <ALLOWANCE-CLOSE> 35,438 <ALLOWANCE-DOMESTIC> 35,438 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0