<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> 302,901 <INT-BEARING-DEPOSITS> 30,701 <FED-FUNDS-SOLD> 160,000 <TRADING-ASSETS> 32,363 <INVESTMENTS-HELD-FOR-SALE> 666,367 <INVESTMENTS-CARRYING> 169,998 <INVESTMENTS-MARKET> 168,143 <LOANS> 2,373,914 <ALLOWANCE> 128,911 <TOTAL-ASSETS> 3,767,941 <DEPOSITS> 2,870,874 <SHORT-TERM> 449,839 <LIABILITIES-OTHER> 55,650 <LONG-TERM> 34,800 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 45,818 <OTHER-SE> 310,960 <TOTAL-LIABILITIES-AND-EQUITY> 3,767,941 <INTEREST-LOAN> 53,223 <INTEREST-INVEST> 13,221 <INTEREST-OTHER> 1,877 <INTEREST-TOTAL> 68,321 <INTEREST-DEPOSIT> 13,433 <INTEREST-EXPENSE> 19,161 <INTEREST-INCOME-NET> 49,160 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 742 <EXPENSE-OTHER> 36,161 <INCOME-PRETAX> 24,386 <INCOME-PRE-EXTRAORDINARY> 24,386 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,852 <EPS-PRIMARY> 0.35 <EPS-DILUTED> 0.35 <YIELD-ACTUAL> 8.30 <LOANS-NON> 52,650 <LOANS-PAST> 24,621 <LOANS-TROUBLED> 4,960 <LOANS-PROBLEM> 6,000 <ALLOWANCE-OPEN> 131,513 <CHARGE-OFFS> 5,486 <RECOVERIES> 2,884 <ALLOWANCE-CLOSE> 128,911 <ALLOWANCE-DOMESTIC> 128,911 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0