<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 95,045 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 23,220 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 508,093 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 2,286,660 <ALLOWANCE> 48,834 <TOTAL-ASSETS> 3,037,213 <DEPOSITS> 2,330,965 <SHORT-TERM> 117,253 <LIABILITIES-OTHER> 327,101 <LONG-TERM> 0 <COMMON> 187,075 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 74,519 <TOTAL-LIABILITIES-AND-EQUITY> 3,037,213 <INTEREST-LOAN> 150,237 <INTEREST-INVEST> 23,494 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 173,731 <INTEREST-DEPOSIT> 62,371 <INTEREST-EXPENSE> 81,553 <INTEREST-INCOME-NET> 92,178 <LOAN-LOSSES> 1,800 <SECURITIES-GAINS> (106) <EXPENSE-OTHER> 69,124 <INCOME-PRETAX> 37,059 <INCOME-PRE-EXTRAORDINARY> 24,523 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 24,523 <EPS-PRIMARY> 1.49 <EPS-DILUTED> 1.49 <YIELD-ACTUAL> 4.64 <LOANS-NON> 30,467 <LOANS-PAST> 2,356 <LOANS-TROUBLED> 5,899 <LOANS-PROBLEM> 81,700 <ALLOWANCE-OPEN> 45,832 <CHARGE-OFFS> 2,131 <RECOVERIES> 2,189 <ALLOWANCE-CLOSE> 48,834 <ALLOWANCE-DOMESTIC> 48,834 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0