<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