<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         211,162
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                41,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    758,920
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<INVESTMENTS-MARKET>                                 0
<LOANS>                                      3,179,256
<ALLOWANCE>                                     61,663
<TOTAL-ASSETS>                               4,456,244
<DEPOSITS>                                   3,385,205
<SHORT-TERM>                                   632,704
<LIABILITIES-OTHER>                             61,324
<LONG-TERM>                                          0
<COMMON>                                           256
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<OTHER-SE>                                     376,755
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<INTEREST-LOAN>                                211,937
<INTEREST-INVEST>                               37,017
<INTEREST-OTHER>                                 1,391
<INTEREST-TOTAL>                               250,345
<INTEREST-DEPOSIT>                              88,833
<INTEREST-EXPENSE>                              21,598
<INTEREST-INCOME-NET>                          139,914
<LOAN-LOSSES>                                      900
<SECURITIES-GAINS>                                 503
<EXPENSE-OTHER>                                110,424
<INCOME-PRETAX>                                 57,059
<INCOME-PRE-EXTRAORDINARY>                      57,059
<EXTRAORDINARY>                                      0
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<LOANS-NON>                                     32,327
<LOANS-PAST>                                     5,123
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<CHARGE-OFFS>                                   10,134
<RECOVERIES>                                     5,612
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<ALLOWANCE-DOMESTIC>                            61,663
<ALLOWANCE-FOREIGN>                                  0
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