<ARTICLE>  9
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                                 DEC-31-1996
<PERIOD-START>                                    JAN-1-1996
<PERIOD-END>                                      SEP-30-1996
<CASH>                                                   135,266
<INT-BEARING-DEPOSITS>                                    11,770
<FED-FUNDS-SOLD>                                          62,100
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              219,356
<INVESTMENTS-CARRYING>                                   219,356
<INVESTMENTS-MARKET>                                     219,356
<LOANS>                                                2,484,445
<ALLOWANCE>                                               37,628
<TOTAL-ASSETS>                                         3,560,014
<DEPOSITS>                                             3,083,282
<SHORT-TERM>                                              37,612
<LIABILITIES-OTHER>                                       50,557
<LONG-TERM>                                               81,171
<COMMON>                                                  52,887
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<OTHER-SE>                                               254,505
<TOTAL-LIABILITIES-AND-EQUITY>                         3,560,014
<INTEREST-LOAN>                                          167,748
<INTEREST-INVEST>                                         22,647
<INTEREST-OTHER>                                          14,764
<INTEREST-TOTAL>                                         205,159
<INTEREST-DEPOSIT>                                        87,549
<INTEREST-EXPENSE>                                        93,349
<INTEREST-INCOME-NET>                                    111,810
<LOAN-LOSSES>                                              7,004
<SECURITIES-GAINS>                                           311
<EXPENSE-OTHER>                                           86,488
<INCOME-PRETAX>                                           46,998
<INCOME-PRE-EXTRAORDINARY>                                31,213
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                              31,213
<EPS-PRIMARY>                                               1.47
<EPS-DILUTED>                                               1.47
<YIELD-ACTUAL>                                              4.83
<LOANS-NON>                                                3,672
<LOANS-PAST>                                               6,714
<LOANS-TROUBLED>                                              76
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                          34,636
<CHARGE-OFFS>                                              5,514
<RECOVERIES>                                               1,502
<ALLOWANCE-CLOSE>                                         37,628
<ALLOWANCE-DOMESTIC>                                      37,628
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0