<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 286,899 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 500,000 <TRADING-ASSETS> 83,108 <INVESTMENTS-HELD-FOR-SALE> 399,170 <INVESTMENTS-CARRYING> 4,244 <INVESTMENTS-MARKET> 4,244 <LOANS> 1,893,466 <ALLOWANCE> 39,540 <TOTAL-ASSETS> 3,271,057 <DEPOSITS> 2,812,780 <SHORT-TERM> 124,247 <LIABILITIES-OTHER> 53,539 <LONG-TERM> 4,501 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 163,727 <OTHER-SE> 112,263 <TOTAL-LIABILITIES-AND-EQUITY> 3,271,057 <INTEREST-LOAN> 127,236 <INTEREST-INVEST> 17,909 <INTEREST-OTHER> 7,784 <INTEREST-TOTAL> 152,929 <INTEREST-DEPOSIT> 47,081 <INTEREST-EXPENSE> 49,735 <INTEREST-INCOME-NET> 103,194 <LOAN-LOSSES> 9,829 <SECURITIES-GAINS> 229 <EXPENSE-OTHER> 93,670 <INCOME-PRETAX> 84,212 <INCOME-PRE-EXTRAORDINARY> 49,750 <EXTRAORDINARY> (5,625) <CHANGES> 0 <NET-INCOME> 44,125 <EPS-PRIMARY> 1.87 <EPS-DILUTED> 1.87 <YIELD-ACTUAL> .058 <LOANS-NON> 22,308 <LOANS-PAST> 0 <LOANS-TROUBLED> 44,764 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 37,402 <CHARGE-OFFS> 9,112 <RECOVERIES> 1,399 <ALLOWANCE-CLOSE> 39,540 <ALLOWANCE-DOMESTIC> 39,540 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0