<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 422,343 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 203,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,912,448 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 1,903,608 <LOANS> 4,914,748 <ALLOWANCE> 81,192 <TOTAL-ASSETS> 7,826,118 <DEPOSITS> 6,808,365 <SHORT-TERM> 332,448 <LIABILITIES-OTHER> 85,626 <LONG-TERM> 6,715 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,428 <OTHER-SE> 581,536 <TOTAL-LIABILITIES-AND-EQUITY> 7,826,118 <INTEREST-LOAN> 306,779 <INTEREST-INVEST> 84,567 <INTEREST-OTHER> 5,194 <INTEREST-TOTAL> 396,540 <INTEREST-DEPOSIT> 172,712 <INTEREST-EXPENSE> 12,574 <INTEREST-INCOME-NET> 211,254 <LOAN-LOSSES> 5,586 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 209,645 <INCOME-PRETAX> 71,245 <INCOME-PRE-EXTRAORDINARY> 71,245 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 45,649 <EPS-PRIMARY> 4.03 <EPS-DILUTED> 4.03 <YIELD-ACTUAL> 7.69 <LOANS-NON> 14,213 <LOANS-PAST> 5,601 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 7,793 <RECOVERIES> 3,517 <ALLOWANCE-CLOSE> 81,192 <ALLOWANCE-DOMESTIC> 81,192 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0