<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 111,904 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 507,681 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 2,454,505 <ALLOWANCE> 53,553 <TOTAL-ASSETS> 3,301,647 <DEPOSITS> 2,529,031 <SHORT-TERM> 461,519 <LIABILITIES-OTHER> 34,644 <LONG-TERM> 0 <COMMON> 175 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 276,278 <TOTAL-LIABILITIES-AND-EQUITY> 3,301,647 <INTEREST-LOAN> 54,665 <INTEREST-INVEST> 7,647 <INTEREST-OTHER> 373 <INTEREST-TOTAL> 62,685 <INTEREST-DEPOSIT> 23,733 <INTEREST-EXPENSE> 5,642 <INTEREST-INCOME-NET> 33,310 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 400 <EXPENSE-OTHER> 25,503 <INCOME-PRETAX> 14,713 <INCOME-PRE-EXTRAORDINARY> 14,713 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,599 <EPS-PRIMARY> .56 <EPS-DILUTED> .56 <YIELD-ACTUAL> 4.60 <LOANS-NON> 28,288 <LOANS-PAST> 3,525 <LOANS-TROUBLED> 3,142 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 49,138 <CHARGE-OFFS> 1,744 <RECOVERIES> 1,849 <ALLOWANCE-CLOSE> 53,553 <ALLOWANCE-DOMESTIC> 53,553 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0