<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         140,236
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                34,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    318,943
<INVESTMENTS-CARRYING>                       1,861,621
<INVESTMENTS-MARKET>                         1,858,563
<LOANS>                                      5,906,063
<ALLOWANCE>                                     64,000
<TOTAL-ASSETS>                               8,549,032
<DEPOSITS>                                   6,240,519
<SHORT-TERM>                                 1,381,981
<LIABILITIES-OTHER>                            174,875
<LONG-TERM>                                    338,331
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           186
<OTHER-SE>                                     413,140
<TOTAL-LIABILITIES-AND-EQUITY>               8,549,032
<INTEREST-LOAN>                                335,159
<INTEREST-INVEST>                               15,624
<INTEREST-OTHER>                                99,108
<INTEREST-TOTAL>                               449,891
<INTEREST-DEPOSIT>                             212,737
<INTEREST-EXPENSE>                             288,855
<INTEREST-INCOME-NET>                          161,036
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                166,677
<INCOME-PRETAX>                                  2,217
<INCOME-PRE-EXTRAORDINARY>                       1,197
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                      .06
<EPS-DILUTED>                                      .06
<YIELD-ACTUAL>                                    2.61
<LOANS-NON>                                     80,742
<LOANS-PAST>                                    14,382
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                82,000
<CHARGE-OFFS>                                   45,000
<RECOVERIES>                                     6,000
<ALLOWANCE-CLOSE>                               73,000
<ALLOWANCE-DOMESTIC>                            73,000
<ALLOWANCE-FOREIGN>                                  0
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