<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS 12-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995 <PERIOD-START> JAN-01-1996 JAN-01-1995 <PERIOD-END> SEP-30-1996 DEC-31-1995 <CASH> 57,938 39,166 <INT-BEARING-DEPOSITS> 314,192 267,776 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 0 <INVESTMENTS-CARRYING> 24,837 28,713 <INVESTMENTS-MARKET> 0 0 <LOANS> 1,629,923 2,024,310 <ALLOWANCE> 14,461 13,729 <TOTAL-ASSETS> 2,246,137 2,510,635 <DEPOSITS> 1,052,352 1,092,989 <SHORT-TERM> 738,045 1,070,815 <LIABILITIES-OTHER> 146,302 60,262 <LONG-TERM> 88,169 192,467 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 142,943 51,981 <OTHER-SE> 0 0 <TOTAL-LIABILITIES-AND-EQUITY> 221,349 94,102 <INTEREST-LOAN> 139,284 120,244 <INTEREST-INVEST> 2,831 6,630 <INTEREST-OTHER> 6,957 2,608 <INTEREST-TOTAL> 149,072 129,482 <INTEREST-DEPOSIT> 0 0 <INTEREST-EXPENSE> 100,067 95,728 <INTEREST-INCOME-NET> 48,305 33,754 <LOAN-LOSSES> 6,142 5,450 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 72,744 61,180 <INCOME-PRETAX> 118,785 24,130 <INCOME-PRE-EXTRAORDINARY> 61,090 14,193 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 61,090 14,193 <EPS-PRIMARY> 1.60 .41 <EPS-DILUTED> 1.60 .40 <YIELD-ACTUAL> 0 0 <LOANS-NON> 46,585 30,988 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 13,729 16,824 <CHARGE-OFFS> (5,523) (3,106) <RECOVERIES> 113 11 <ALLOWANCE-CLOSE> 14,461 13,729 <ALLOWANCE-DOMESTIC> 14,461 13,729 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0