<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 12-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995 <PERIOD-END> MAR-31-1996 DEC-31-1995 <CASH> 34,946 39,166 <INT-BEARING-DEPOSITS> 6,703 267,776 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 0 <INVESTMENTS-CARRYING> 15,989 28,713 <INVESTMENTS-MARKET> 0 0 <LOANS> 1,720,117 2,024,310 <ALLOWANCE> 13,336 13,729 <TOTAL-ASSETS> 1,944,414 2,510,635 <DEPOSITS> 1,023,906 1,092,989 <SHORT-TERM> 650,032 1,070,815 <LIABILITIES-OTHER> 79,418 60,261 <LONG-TERM> 88,129 192,467 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 78,110 51,981 <OTHER-SE> 0 0 <TOTAL-LIABILITIES-AND-EQUITY> 102,930 94,102 <INTEREST-LOAN> 45,194 120,244 <INTEREST-INVEST> 2,185 6,630 <INTEREST-OTHER> 2,141 2,608 <INTEREST-TOTAL> 49,520 129,482 <INTEREST-DEPOSIT> 0 0 <INTEREST-EXPENSE> 36,783 95,728 <INTEREST-INCOME-NET> 12,737 33,754 <LOAN-LOSSES> 1,500 5,450 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 27,168 61,180 <INCOME-PRETAX> 17,057 24,130 <INCOME-PRE-EXTRAORDINARY> 8,616 14,193 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 8,616 14,193 <EPS-PRIMARY> .49 .82 <EPS-DILUTED> .49 .81 <YIELD-ACTUAL> 0 0 <LOANS-NON> 37,181 30,988 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 1,323 870 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 13,729 16,824 <CHARGE-OFFS> 1,921 3,106 <RECOVERIES> 28 11 <ALLOWANCE-CLOSE> 13,336 13,729 <ALLOWANCE-DOMESTIC> 13,336 13,729 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0