<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         247,439
<INT-BEARING-DEPOSITS>                          10,448
<FED-FUNDS-SOLD>                                 2,260
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,109,708
<INVESTMENTS-CARRYING>                         341,215
<INVESTMENTS-MARKET>                           339,742
<LOANS>                                      3,988,039
<ALLOWANCE>                                     58,546
<TOTAL-ASSETS>                               5,924,179
<DEPOSITS>                                   4,562,613
<SHORT-TERM>                                   621,248
<LIABILITIES-OTHER>                             78,120
<LONG-TERM>                                    231,193
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       185,694
<OTHER-SE>                                     245,311
<TOTAL-LIABILITIES-AND-EQUITY>               5,924,179
<INTEREST-LOAN>                                263,793
<INTEREST-INVEST>                               63,939
<INTEREST-OTHER>                                 1,057
<INTEREST-TOTAL>                               328,789
<INTEREST-DEPOSIT>                             120,335
<INTEREST-EXPENSE>                             152,982
<INTEREST-INCOME-NET>                          175,807
<LOAN-LOSSES>                                    6,650
<SECURITIES-GAINS>                               1,682
<EXPENSE-OTHER>                                156,214
<INCOME-PRETAX>                                 71,838
<INCOME-PRE-EXTRAORDINARY>                      71,838
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    45,469
<EPS-PRIMARY>                                     1.95
<EPS-DILUTED>                                     1.95
<YIELD-ACTUAL>                                    4.57
<LOANS-NON>                                     16,448
<LOANS-PAST>                                     9,010
<LOANS-TROUBLED>                                   609
<LOANS-PROBLEM>                                 12,500
<ALLOWANCE-OPEN>                                53,452
<CHARGE-OFFS>                                    5,371
<RECOVERIES>                                     2,575
<ALLOWANCE-CLOSE>                               58,546
<ALLOWANCE-DOMESTIC>                            58,546
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         12,383