<ARTICLE> 9
<LEGEND>
(Dollars in Thousands, Except Per Share and Yield Amounts)
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1993
<PERIOD-END>                               SEP-30-1994
<CASH>                                          26,881
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,270
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    163,715
<INVESTMENTS-CARRYING>                       1,961,378
<INVESTMENTS-MARKET>                         1,961,378
<LOANS>                                        966,730
<ALLOWANCE>                                     11,698
<TOTAL-ASSETS>                               3,349,705
<DEPOSITS>                                   2,375,460
<SHORT-TERM>                                   731,620
<LIABILITIES-OTHER>                             67,188
<LONG-TERM>                                     40,305
<COMMON>                                           136
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          4
<OTHER-SE>                                     134,992
<TOTAL-LIABILITIES-AND-EQUITY>               3,349,705
<INTEREST-LOAN>                                 60,370
<INTEREST-INVEST>                               74,248
<INTEREST-OTHER>                                 6,636
<INTEREST-TOTAL>                               141,254
<INTEREST-DEPOSIT>                              76,742
<INTEREST-EXPENSE>                              97,479
<INTEREST-INCOME-NET>                           43,775
<LOAN-LOSSES>                                    3,800
<SECURITIES-GAINS>                               6,649
<EXPENSE-OTHER>                                 66,789
<INCOME-PRETAX>                                  8,822
<INCOME-PRE-EXTRAORDINARY>                       9,117
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,117
<EPS-PRIMARY>                                    $0.46
<EPS-DILUTED>                                    $0.46
<YIELD-ACTUAL>                                    1.76
<LOANS-NON>                                     30,481
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                28,271
<CHARGE-OFFS>                                    4,818
<RECOVERIES>                                       445
<ALLOWANCE-CLOSE>                               11,698
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         11,698