<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 184,540 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 240,525 <TRADING-ASSETS> 57,263 <INVESTMENTS-HELD-FOR-SALE> 298,834 <INVESTMENTS-CARRYING> 6,139 <INVESTMENTS-MARKET> 6,139 <LOANS> 1,468,491 <ALLOWANCE> 39,574 <TOTAL-ASSETS> 2,346,576 <DEPOSITS> 2,013,228 <SHORT-TERM> 98,279 <LIABILITIES-OTHER> 24,231 <LONG-TERM> 8,146 <COMMON> 127,205 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 75,487 <TOTAL-LIABILITIES-AND-EQUITY> 2,346,576 <INTEREST-LOAN> 31,154 <INTEREST-INVEST> 5,772 <INTEREST-OTHER> 1,673 <INTEREST-TOTAL> 38,599 <INTEREST-DEPOSIT> 12,015 <INTEREST-EXPENSE> 13,535 <INTEREST-INCOME-NET> 25,064 <LOAN-LOSSES> 1,380 <SECURITIES-GAINS> 343 <EXPENSE-OTHER> 26,419 <INCOME-PRETAX> 5,701 <INCOME-PRE-EXTRAORDINARY> 4,656 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,656 <EPS-PRIMARY> 0.33 <EPS-DILUTED> 0.33 <YIELD-ACTUAL> .053 <LOANS-NON> 18,577 <LOANS-PAST> 0 <LOANS-TROUBLED> 3,238 <LOANS-PROBLEM> 48,540 <ALLOWANCE-OPEN> 40,072 <CHARGE-OFFS> 2,178 <RECOVERIES> 300 <ALLOWANCE-CLOSE> 39,574 <ALLOWANCE-DOMESTIC> 39,574 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0