<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         109,731
<INT-BEARING-DEPOSITS>                               0
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<ALLOWANCE>                                     20,303
<TOTAL-ASSETS>                               2,998,401
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<SHORT-TERM>                                   134,000
<LIABILITIES-OTHER>                             24,310
<LONG-TERM>                                    100,000
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<INTEREST-LOAN>                                 88,873
<INTEREST-INVEST>                               74,160
<INTEREST-OTHER>                                   253
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<INTEREST-DEPOSIT>                              63,805
<INTEREST-EXPENSE>                              79,353
<INTEREST-INCOME-NET>                           83,933
<LOAN-LOSSES>                                    4,699
<SECURITIES-GAINS>                                 293
<EXPENSE-OTHER>                                 53,431
<INCOME-PRETAX>                                 48,571
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