<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 234,481 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 32,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 757,453 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 3,115,089 <ALLOWANCE> 63,654 <TOTAL-ASSETS> 4,371,709 <DEPOSITS> 3,383,083 <SHORT-TERM> 571,324 <LIABILITIES-OTHER> 51,042 <LONG-TERM> 0 <COMMON> 256 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 366,004 <TOTAL-LIABILITIES-AND-EQUITY> 4,371,709 <INTEREST-LOAN> 139,222 <INTEREST-INVEST> 24,705 <INTEREST-OTHER> 912 <INTEREST-TOTAL> 164,839 <INTEREST-DEPOSIT> 59,356 <INTEREST-EXPENSE> 13,513 <INTEREST-INCOME-NET> 91,970 <LOAN-LOSSES> 900 <SECURITIES-GAINS> 504 <EXPENSE-OTHER> 74,168 <INCOME-PRETAX> 35,567 <INCOME-PRE-EXTRAORDINARY> 35,567 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 22,749 <EPS-PRIMARY> .90 <EPS-DILUTED> .90 <YIELD-ACTUAL> 4.75 <LOANS-NON> 32,595 <LOANS-PAST> 2,840 <LOANS-TROUBLED> 2,992 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 60,975 <CHARGE-OFFS> 7,010 <RECOVERIES> 4,479 <ALLOWANCE-CLOSE> 63,654 <ALLOWANCE-DOMESTIC> 63,654 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0