<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> 291,574 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 615,000 <TRADING-ASSETS> 28,729 <INVESTMENTS-HELD-FOR-SALE> 497,269 <INVESTMENTS-CARRYING> 4,179 <INVESTMENTS-MARKET> 4,179 <LOANS> 2,153,492 <ALLOWANCE> 38,642 <TOTAL-ASSETS> 3,711,047 <DEPOSITS> 3,275,229 <SHORT-TERM> 68,623 <LIABILITIES-OTHER> 64,215 <LONG-TERM> 4,450 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 230,163 <OTHER-SE> 68,367 <TOTAL-LIABILITIES-AND-EQUITY> 3,711,047 <INTEREST-LOAN> 49,170 <INTEREST-INVEST> 7,199 <INTEREST-OTHER> 2,364 <INTEREST-TOTAL> 58,733 <INTEREST-DEPOSIT> 17,355 <INTEREST-EXPENSE> 18,572 <INTEREST-INCOME-NET> 40,161 <LOAN-LOSSES> 3,290 <SECURITIES-GAINS> 234 <EXPENSE-OTHER> 39,714 <INCOME-PRETAX> 13,286 <INCOME-PRE-EXTRAORDINARY> 8,032 <EXTRAORDINARY> (79) <CHANGES> 0 <NET-INCOME> 7,953 <EPS-PRIMARY> 0.30 <EPS-DILUTED> 0.30 <YIELD-ACTUAL> 5.7 <LOANS-NON> 16,994 <LOANS-PAST> 0 <LOANS-TROUBLED> 25,395 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 36,051 <CHARGE-OFFS> 933 <RECOVERIES> 201 <ALLOWANCE-CLOSE> 38,642 <ALLOWANCE-DOMESTIC> 38,642 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,838