<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1994
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                         170,687
<INT-BEARING-DEPOSITS>                         190,698
<FED-FUNDS-SOLD>                                 6,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,785
<INVESTMENTS-CARRYING>                       1,118,141
<INVESTMENTS-MARKET>                         1,069,916
<LOANS>                                      3,081,808
<ALLOWANCE>                                     31,648
<TOTAL-ASSETS>                               5,068,269
<DEPOSITS>                                   3,819,614
<SHORT-TERM>                                   561,048
<LIABILITIES-OTHER>                             53,181
<LONG-TERM>                                    307,235
<COMMON>                                           124
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     327,067
<TOTAL-LIABILITIES-AND-EQUITY>               5,068,269
<INTEREST-LOAN>                                250,286
<INTEREST-INVEST>                               90,869
<INTEREST-OTHER>                                16,486
<INTEREST-TOTAL>                               357,641
<INTEREST-DEPOSIT>                             120,614
<INTEREST-EXPENSE>                             152,512
<INTEREST-INCOME-NET>                          205,129
<LOAN-LOSSES>                                   10,901
<SECURITIES-GAINS>                               2,035
<EXPENSE-OTHER>                                213,857
<INCOME-PRETAX>                                 97,665
<INCOME-PRE-EXTRAORDINARY>                      57,363
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    57,363
<EPS-PRIMARY>                                     4.63
<EPS-DILUTED>                                     4.63
<YIELD-ACTUAL>                                    4.59
<LOANS-NON>                                      9,516
<LOANS-PAST>                                     2,017
<LOANS-TROUBLED>                                 3,005
<LOANS-PROBLEM>                                 23,813
<ALLOWANCE-OPEN>                                26,055
<CHARGE-OFFS>                                    7,740
<RECOVERIES>                                     2,432
<ALLOWANCE-CLOSE>                               31,648
<ALLOWANCE-DOMESTIC>                            22,177
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,471