<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                         162,901
<INT-BEARING-DEPOSITS>                           3,919
<FED-FUNDS-SOLD>                                   154
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    831,747
<INVESTMENTS-CARRYING>                          25,105
<INVESTMENTS-MARKET>                            25,137
<LOANS>                                      1,979,313
<ALLOWANCE>                                     28,597
<TOTAL-ASSETS>                               3,118,404
<DEPOSITS>                                   2,298,788
<SHORT-TERM>                                   531,188
<LIABILITIES-OTHER>                             33,794
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           137
<OTHER-SE>                                     254,497
<TOTAL-LIABILITIES-AND-EQUITY>               3,118,404
<INTEREST-LOAN>                                 90,170
<INTEREST-INVEST>                               26,222
<INTEREST-OTHER>                                 1,661
<INTEREST-TOTAL>                               118,053
<INTEREST-DEPOSIT>                              42,531
<INTEREST-EXPENSE>                              58,127
<INTEREST-INCOME-NET>                           59,926
<LOAN-LOSSES>                                    2,626
<SECURITIES-GAINS>                                 545
<EXPENSE-OTHER>                                 46,354
<INCOME-PRETAX>                                 25,348
<INCOME-PRE-EXTRAORDINARY>                      16,142
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,142
<EPS-PRIMARY>                                     1.18
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                    4.23
<LOANS-NON>                                     10,790
<LOANS-PAST>                                     4,318
<LOANS-TROUBLED>                                 7,760
<LOANS-PROBLEM>                                 33,790
<ALLOWANCE-OPEN>                                29,194
<CHARGE-OFFS>                                    4,443
<RECOVERIES>                                     1,220
<ALLOWANCE-CLOSE>                               28,597
<ALLOWANCE-DOMESTIC>                            11,133
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         17,464