<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 137,913 <INT-BEARING-DEPOSITS> 510 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 553,220 <INVESTMENTS-CARRYING> 441,833 <INVESTMENTS-MARKET> 445,389 <LOANS> 1,731,617 <ALLOWANCE> 40,211 <TOTAL-ASSETS> 3,335,045 <DEPOSITS> 1,873,942 <SHORT-TERM> 343,357 <LIABILITIES-OTHER> 468,899 <LONG-TERM> 330,917 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,997 <OTHER-SE> 291,933 <TOTAL-LIABILITIES-AND-EQUITY> 3,335,045 <INTEREST-LOAN> 171,328 <INTEREST-INVEST> 65,091 <INTEREST-OTHER> 5,969 <INTEREST-TOTAL> 242,388 <INTEREST-DEPOSIT> 99,091 <INTEREST-EXPENSE> 139,194 <INTEREST-INCOME-NET> 103,194 <LOAN-LOSSES> 13,571 <SECURITIES-GAINS> (1,620) <EXPENSE-OTHER> 203,646 <INCOME-PRETAX> 67,241 <INCOME-PRE-EXTRAORDINARY> 31,797 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 31,797 <EPS-PRIMARY> 1.21 <EPS-DILUTED> 1.21 <YIELD-ACTUAL> 3.7 <LOANS-NON> 20,939 <LOANS-PAST> 15,889 <LOANS-TROUBLED> 17,289 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 39,260 <CHARGE-OFFS> 21,258 <RECOVERIES> 7,168 <ALLOWANCE-CLOSE> 40,211 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0