<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 250,575 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 401,584 <TRADING-ASSETS> 17,544 <INVESTMENTS-HELD-FOR-SALE> 326,119 <INVESTMENTS-CARRYING> 4,369 <INVESTMENTS-MARKET> 4,369 <LOANS> 1,746,862 <ALLOWANCE> 39,175 <TOTAL-ASSETS> 2,831,008 <DEPOSITS> 2,511,918 <SHORT-TERM> 47,763 <LIABILITIES-OTHER> 30,567 <LONG-TERM> 5,906 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 234,854 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 2,831,008 <INTEREST-LOAN> 40,911 <INTEREST-INVEST> 5,498 <INTEREST-OTHER> 2,272 <INTEREST-TOTAL> 48,681 <INTEREST-DEPOSIT> 15,053 <INTEREST-EXPENSE> 15,869 <INTEREST-INCOME-NET> 32,812 <LOAN-LOSSES> 2,690 <SECURITIES-GAINS> 229 <EXPENSE-OTHER> 31,224 <INCOME-PRETAX> 11,881 <INCOME-PRE-EXTRAORDINARY> 6,796 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,796 <EPS-PRIMARY> 0.43 <EPS-DILUTED> 0.43 <YIELD-ACTUAL> 5.9 <LOANS-NON> 30,788 <LOANS-PAST> 0 <LOANS-TROUBLED> 35,966 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 37,402 <CHARGE-OFFS> 1,909 <RECOVERIES> 992 <ALLOWANCE-CLOSE> 39,175 <ALLOWANCE-DOMESTIC> 39,175 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0