<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> SEP-30-1995 <CASH> 124,941 <INT-BEARING-DEPOSITS> 5,144 <FED-FUNDS-SOLD> 51,018 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 716,817 <INVESTMENTS-CARRYING> 124,213 <INVESTMENTS-MARKET> 126,495 <LOANS> 1,929,487 <ALLOWANCE> 26,776 <TOTAL-ASSETS> 3,044,253 <DEPOSITS> 2,151,313 <SHORT-TERM> 646,222 <LIABILITIES-OTHER> 25,872 <LONG-TERM> 0 <COMMON> 23,465 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 197,381 <TOTAL-LIABILITIES-AND-EQUITY> 3,044,253 <INTEREST-LOAN> 125,699 <INTEREST-INVEST> 40,897 <INTEREST-OTHER> 2,305 <INTEREST-TOTAL> 168,901 <INTEREST-DEPOSIT> 55,318 <INTEREST-EXPENSE> 85,927 <INTEREST-INCOME-NET> 82,974 <LOAN-LOSSES> 7,982 <SECURITIES-GAINS> 539 <EXPENSE-OTHER> 65,461 <INCOME-PRETAX> 29,783 <INCOME-PRE-EXTRAORDINARY> 19,094 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 19,094 <EPS-PRIMARY> 1.56 <EPS-DILUTED> 1.56 <YIELD-ACTUAL> 4.12 <LOANS-NON> 8,817 <LOANS-PAST> 8,629 <LOANS-TROUBLED> 7,942 <LOANS-PROBLEM> 17,778 <ALLOWANCE-OPEN> 24,083 <CHARGE-OFFS> 7,157 <RECOVERIES> 1,868 <ALLOWANCE-CLOSE> 26,776 <ALLOWANCE-DOMESTIC> 10,751 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 16,025