<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS 12-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995 <PERIOD-END> JUN-30-1996 DEC-31-1995 <CASH> 116,778 39,166 <INT-BEARING-DEPOSITS> 0 267,776 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 0 <INVESTMENTS-CARRYING> 71,727 28,713 <INVESTMENTS-MARKET> 0 0 <LOANS> 1,733,259 2,024,310 <ALLOWANCE> 13,951 13,729 <TOTAL-ASSETS> 2,121,039 2,510,635 <DEPOSITS> 989,224 1,092,989 <SHORT-TERM> 709,967 1,070,815 <LIABILITIES-OTHER> 127,302 60,261 <LONG-TERM> 88,189 192,468 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 138,485 51,981 <OTHER-SE> 67,872 42,121 <TOTAL-LIABILITIES-AND-EQUITY>2,121,039 2,510,635 <INTEREST-LOAN> 88,282 120,244 <INTEREST-INVEST> 2,389 6,630 <INTEREST-OTHER> 3,209 2,608 <INTEREST-TOTAL> 93,880 129,482 <INTEREST-DEPOSIT> 0 0 <INTEREST-EXPENSE> 67,738 95,728 <INTEREST-INCOME-NET> 26,142 33,754 <LOAN-LOSSES> 3,525 5,450 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 47,820 61,180 <INCOME-PRETAX> 92,536 24,130 <INCOME-PRE-EXTRAORDINARY> 92,536 14,193 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 51,657 14,193 <EPS-PRIMARY> 2.79 .75 <EPS-DILUTED> 2.78 .74 <YIELD-ACTUAL> 0 0 <LOANS-NON> 43,266 30,988 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 1,314 870 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 13,729 7,054 <CHARGE-OFFS> (3,361) (3,106) <RECOVERIES> 58 11 <ALLOWANCE-CLOSE> 13,951 13,729 <ALLOWANCE-DOMESTIC> 13,951 13,729 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0