<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          95,871
<INT-BEARING-DEPOSITS>                           8,000
<FED-FUNDS-SOLD>                                61,000
<TRADING-ASSETS>                                10,866
<INVESTMENTS-HELD-FOR-SALE>                    349,912
<INVESTMENTS-CARRYING>                          34,510
<INVESTMENTS-MARKET>                            30,342
<LOANS>                                      2,695,099
<ALLOWANCE>                                     52,882
<TOTAL-ASSETS>                               3,294,647
<DEPOSITS>                                   2,516,991
<SHORT-TERM>                                   407,151
<LIABILITIES-OTHER>                             36,762
<LONG-TERM>                                    120,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           182
<OTHER-SE>                                     213,561<F1>
<TOTAL-LIABILITIES-AND-EQUITY>               3,294,647
<INTEREST-LOAN>                                 49,840
<INTEREST-INVEST>                                7,976
<INTEREST-OTHER>                                   891
<INTEREST-TOTAL>                                58,707
<INTEREST-DEPOSIT>                              29,140
<INTEREST-EXPENSE>                              38,350
<INTEREST-INCOME-NET>                           20,357
<LOAN-LOSSES>                                    4,251
<SECURITIES-GAINS>                               1,221
<EXPENSE-OTHER>                                 18,190
<INCOME-PRETAX>                                  3,468<F2>
<INCOME-PRE-EXTRAORDINARY>                       3,468
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,215
<EPS-PRIMARY>                                      .23
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                    2.44
<LOANS-NON>                                     39,713
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                42,696
<LOANS-PROBLEM>                                 80,128
<ALLOWANCE-OPEN>                                57,508
<CHARGE-OFFS>                                   10,063
<RECOVERIES>                                     1,186
<ALLOWANCE-CLOSE>                               52,882
<ALLOWANCE-DOMESTIC>                            52,882
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         22,550
<FN>
<F1>INCLUDES $51,750 MINORITY INTEREST: PREFERRED STOCK OF CONSOLIDATED
SUBSIDIARY. 
<F2>EARNINGS BEFORE INCOME TAXES AND $1,553 MINORITY INTEREST IN
SUBSIDIARY WHICH IS INCLUDED IN (EXPENSE-OTHER).
</FN>