<ARTICLE>                              9
<LEGEND>  This schedule contains summary financial information extracted from 
          SEC Form 10-Q and is qualified in its entirety by reference to such 
          financial statements.
</LEGEND>
<MULTIPLIER>                           1000
       
                                          
<PERIOD-TYPE>                                      3-MOS
<PERIOD-END>                                 MAR-31-1996
<FISCAL-YEAR-END>                            DEC-31-1996
<CASH>                                           476,162
<INT-BEARING-DEPOSITS>                             2,207
<FED-FUNDS-SOLD>                                  16,458
<TRADING-ASSETS>                                   8,259
<INVESTMENTS-HELD-FOR-SALE>                    2,264,039
<INVESTMENTS-CARRYING>                           985,527
<INVESTMENTS-MARKET>                             983,129
<LOANS>                                        8,002,301
<ALLOWANCE>                                      173,462
<TOTAL-ASSETS>                                12,163,102
<DEPOSITS>                                     9,694,051
<SHORT-TERM>                                     998,028
<LIABILITIES-OTHER>                              230,472
<LONG-TERM>                                      220,996
<COMMON>                                          45,133
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<OTHER-SE>                                       974,422
<TOTAL-LIABILITIES-AND-EQUITY>                12,163,102
<INTEREST-LOAN>                                  175,789
<INTEREST-INVEST>                                 52,378
<INTEREST-OTHER>                                     984
<INTEREST-TOTAL>                                 229,151
<INTEREST-DEPOSIT>                                92,564
<INTEREST-EXPENSE>                               110,985
<INTEREST-INCOME-NET>                            118,166
<LOAN-LOSSES>                                      6,252
<SECURITIES-GAINS>                                   854
<EXPENSE-OTHER>                                  105,602
<INCOME-PRETAX>                                   59,613
<INCOME-PRE-EXTRAORDINARY>                        59,613
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      39,234
<EPS-PRIMARY>                                       0.86
<EPS-DILUTED>                                       0.86
<YIELD-ACTUAL>                                      4.34
<LOANS-NON>                                       44,376
<LOANS-PAST>                                      36,419
<LOANS-TROUBLED>                                   2,797
<LOANS-PROBLEM>                                   83,592
<ALLOWANCE-OPEN>                                 174,248
<CHARGE-OFFS>                                      8,095
<RECOVERIES>                                       2,236
<ALLOWANCE-CLOSE>                                173,462
<ALLOWANCE-DOMESTIC>                             173,462
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0