<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 242,018 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 425,300 <TRADING-ASSETS> 40,050 <INVESTMENTS-HELD-FOR-SALE> 295,312 <INVESTMENTS-CARRYING> 4,975 <INVESTMENTS-MARKET> 4,975 <LOANS> 1,699,347 <ALLOWANCE> 37,402 <TOTAL-ASSETS> 2,788,374 <DEPOSITS> 2,363,616 <SHORT-TERM> 159,636 <LIABILITIES-OTHER> 30,980 <LONG-TERM> 5,906 <PREFERRED-MANDATORY> 130,780 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 97,456 <TOTAL-LIABILITIES-AND-EQUITY> 2,788,374 <INTEREST-LOAN> 145,375 <INTEREST-INVEST> 21,176 <INTEREST-OTHER> 9,976 <INTEREST-TOTAL> 176,527 <INTEREST-DEPOSIT> 55,491 <INTEREST-EXPENSE> 60,154 <INTEREST-INCOME-NET> 100,251 <LOAN-LOSSES> 16,122 <SECURITIES-GAINS> 260 <EXPENSE-OTHER> 112,105 <INCOME-PRETAX> 34,366 <INCOME-PRE-EXTRAORDINARY> 23,177 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 23,177 <EPS-PRIMARY> 1.52 <EPS-DILUTED> 1.52 <YIELD-ACTUAL> 5.7 <LOANS-NON> 28,926 <LOANS-PAST> 0 <LOANS-TROUBLED> 33,608 <LOANS-PROBLEM> 3,900 <ALLOWANCE-OPEN> 40,072 <CHARGE-OFFS> 20,962 <RECOVERIES> 2,170 <ALLOWANCE-CLOSE> 37,402 <ALLOWANCE-DOMESTIC> 37,402 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,455