<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 325,014 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 357,000 <TRADING-ASSETS> 64,887 <INVESTMENTS-HELD-FOR-SALE> 426,336 <INVESTMENTS-CARRYING> 4,193 <INVESTMENTS-MARKET> 4,193 <LOANS> 2,063,048 <ALLOWANCE> 36,051 <TOTAL-ASSETS> 3,350,170 <DEPOSITS> 2,950,277 <SHORT-TERM> 44,897 <LIABILITIES-OTHER> 64,190 <LONG-TERM> 4,455 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 163,748 <OTHER-SE> 122,603 <TOTAL-LIABILITIES-AND-EQUITY> 3,350,170 <INTEREST-LOAN> 173,734 <INTEREST-INVEST> 24,952 <INTEREST-OTHER> 10,470 <INTEREST-TOTAL> 209,156 <INTEREST-DEPOSIT> 64,551 <INTEREST-EXPENSE> 68,054 <INTEREST-INCOME-NET> 141,102 <LOAN-LOSSES> 6,881 <SECURITIES-GAINS> 229 <EXPENSE-OTHER> 128,132 <INCOME-PRETAX> 105,580 <INCOME-PRE-EXTRAORDINARY> 62,302 <EXTRAORDINARY> (8,168) <CHANGES> 0 <NET-INCOME> 54,134 <EPS-PRIMARY> 2.08 <EPS-DILUTED> 2.07 <YIELD-ACTUAL> 5.8 <LOANS-NON> 20,390 <LOANS-PAST> 0 <LOANS-TROUBLED> 28,681 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 37,402 <CHARGE-OFFS> 11,025 <RECOVERIES> 2,778 <ALLOWANCE-CLOSE> 36,051 <ALLOWANCE-DOMESTIC> 36,051 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,093