<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 136908 <INT-BEARING-DEPOSITS> 3968 <FED-FUNDS-SOLD> 3435 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 920639 <INVESTMENTS-CARRYING> 26511 <INVESTMENTS-MARKET> 26733 <LOANS> 1939500 <ALLOWANCE> 28076 <TOTAL-ASSETS> 3147211 <DEPOSITS> 2248977 <SHORT-TERM> 610302 <LIABILITIES-OTHER> 36147 <LONG-TERM> 0 <COMMON> 23475 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 228310 <TOTAL-LIABILITIES-AND-EQUITY> 3147211 <INTEREST-LOAN> 46759 <INTEREST-INVEST> 12228 <INTEREST-OTHER> 196 <INTEREST-TOTAL> 59183 <INTEREST-DEPOSIT> 21436 <INTEREST-EXPENSE> 29783 <INTEREST-INCOME-NET> 29400 <LOAN-LOSSES> 859 <SECURITIES-GAINS> 76 <EXPENSE-OTHER> 23153 <INCOME-PRETAX> 12298 <INCOME-PRE-EXTRAORDINARY> 7925 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7925 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.58 <YIELD-ACTUAL> 4.13 <LOANS-NON> 11428 <LOANS-PAST> 8206 <LOANS-TROUBLED> 7963 <LOANS-PROBLEM> 11581 <ALLOWANCE-OPEN> 29194 <CHARGE-OFFS> 2670 <RECOVERIES> 693 <ALLOWANCE-CLOSE> 28076 <ALLOWANCE-DOMESTIC> 11343 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 16733