<ARTICLE> 9 <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-1-1996 <PERIOD-END> JUN-30-1996 <PERIOD-TYPE> 6-MOS <CASH> 167,582 <INT-BEARING-DEPOSITS> 3,345 <FED-FUNDS-SOLD> 6,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 245,381 <INVESTMENTS-CARRYING> 245,381 <INVESTMENTS-MARKET> 245,381 <LOANS> 2,414,588 <ALLOWANCE> 36,637 <TOTAL-ASSETS> 3,470,149 <DEPOSITS> 2,998,224 <SHORT-TERM> 45,650 <LIABILITIES-OTHER> 44,216 <LONG-TERM> 81,688 <COMMON> 52,860 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 247,511 <TOTAL-LIABILITIES-AND-EQUITY> 3,470,149 <INTEREST-LOAN> 109,986 <INTEREST-INVEST> 14,940 <INTEREST-OTHER> 9,996 <INTEREST-TOTAL> 134,922 <INTEREST-DEPOSIT> 57,585 <INTEREST-EXPENSE> 61,483 <INTEREST-INCOME-NET> 73,439 <LOAN-LOSSES> 4,504 <SECURITIES-GAINS> 278 <EXPENSE-OTHER> 56,445 <INCOME-PRETAX> 31,404 <INCOME-PRE-EXTRAORDINARY> 10,755 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,775 <EPS-PRIMARY> 0.97 <EPS-DILUTED> 0.97 <YIELD-ACTUAL> 4.84 <LOANS-NON> 1,923 <LOANS-PAST> 5,234 <LOANS-TROUBLED> 78 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 34,636 <CHARGE-OFFS> 3,525 <RECOVERIES> 1,022 <ALLOWANCE-CLOSE> 36,637 <ALLOWANCE-DOMESTIC> 36,637 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0