<ARTICLE>                      9
<MULTIPLIER>                   1,000
       
                            
<PERIOD-TYPE>                  6-mos
<FISCAL-YEAR-END>              DEC-31-1996
<PERIOD-END>                   JUN-30-1996
<CASH>                              64,774
<INT-BEARING-DEPOSITS>                   0
<FED-FUNDS-SOLD>                     2,000
<TRADING-ASSETS>                         0
<INVESTMENTS-HELD-FOR-SALE>        653,707
<INVESTMENTS-CARRYING>             138,417
<INVESTMENTS-MARKET>               138,848
<LOANS>                          2,283,253
<ALLOWANCE>                         24,337
<TOTAL-ASSETS>                   3,325,592
<DEPOSITS>                       2,872,407
<SHORT-TERM>                         4,364
<LIABILITIES-OTHER>                102,118
<LONG-TERM>                         30,000
<PREFERRED-MANDATORY>                    0
<PREFERRED>                              0
<COMMON>                               157
<OTHER-SE>                         316,546
<TOTAL-LIABILITIES-AND-EQUITY>   3,325,592
<INTEREST-LOAN>                     93,730
<INTEREST-INVEST>                   26,499
<INTEREST-OTHER>                     2,448
<INTEREST-TOTAL>                   122,677
<INTEREST-DEPOSIT>                  59,191
<INTEREST-EXPENSE>                  60,543
<INTEREST-INCOME-NET>               62,134
<LOAN-LOSSES>                        2,850
<SECURITIES-GAINS>                       5
<EXPENSE-OTHER>                     39,377
<INCOME-PRETAX>                     26,009
<INCOME-PRE-EXTRAORDINARY>          15,546
<EXTRAORDINARY>                          0
<CHANGES>                                0
<NET-INCOME>                        15,546
<EPS-PRIMARY>                         1.07
<EPS-DILUTED>                         1.07
<YIELD-ACTUAL>                        3.91
<LOANS-NON>                         21,027
<LOANS-PAST>                         9,907
<LOANS-TROUBLED>                         0
<LOANS-PROBLEM>                          0
<ALLOWANCE-OPEN>                    15,949
<CHARGE-OFFS>                        2,479
<RECOVERIES>                           391
<ALLOWANCE-CLOSE>                   24,337
<ALLOWANCE-DOMESTIC>                16,836
<ALLOWANCE-FOREIGN>                      0
<ALLOWANCE-UNALLOCATED>              7,501