<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 251,910 <INT-BEARING-DEPOSITS> 688 <FED-FUNDS-SOLD> 168,500 <TRADING-ASSETS> 28,978 <INVESTMENTS-HELD-FOR-SALE> 209,941 <INVESTMENTS-CARRYING> 518,960 <INVESTMENTS-MARKET> 514,970 <LOANS> 1,900,793 <ALLOWANCE> 111,503 <TOTAL-ASSETS> 3,067,640 <DEPOSITS> 2,071,527 <SHORT-TERM> 576,049 <LIABILITIES-OTHER> 32,145 <LONG-TERM> 25,000 <COMMON> 45,529 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 317,390 <TOTAL-LIABILITIES-AND-EQUITY> 3,067,640 <INTEREST-LOAN> 122,213 <INTEREST-INVEST> 29,451 <INTEREST-OTHER> 5,937 <INTEREST-TOTAL> 157,601 <INTEREST-DEPOSIT> 23,224 <INTEREST-EXPENSE> 38,497 <INTEREST-INCOME-NET> 119,104 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 498 <EXPENSE-OTHER> 87,913 <INCOME-PRETAX> 57,768 <INCOME-PRE-EXTRAORDINARY> 57,768 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 35,461 <EPS-PRIMARY> 0.77 <EPS-DILUTED> 0.77 <YIELD-ACTUAL> 8.33 <LOANS-NON> 35,160 <LOANS-PAST> 22,036<F1> <LOANS-TROUBLED> 8,780<F2> <LOANS-PROBLEM> 10,100 <ALLOWANCE-OPEN> 105,343 <CHARGE-OFFS> 10,604 <RECOVERIES> 16,764 <ALLOWANCE-CLOSE> 111,503 <ALLOWANCE-DOMESTIC> 111,503 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1> From FRY-9C, Page 13 <F2> From FRY-9C Non-accrued--Page 13, M2 5,940 Restructured--Page 6, M.I.f. 2,840 ----- 8,780 ===== </FN>