<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 245,706 <INT-BEARING-DEPOSITS> 30,206 <FED-FUNDS-SOLD> 80,000 <TRADING-ASSETS> 23,026 <INVESTMENTS-HELD-FOR-SALE> 666,960 <INVESTMENTS-CARRYING> 186,722 <INVESTMENTS-MARKET> 184,926 <LOANS> 2,674,242 <ALLOWANCE> 128,589 <TOTAL-ASSETS> 3,946,555 <DEPOSITS> 2,940,169 <SHORT-TERM> 531,683 <LIABILITIES-OTHER> 54,520 <LONG-TERM> 34,800 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 46,094 <OTHER-SE> 339,289 <TOTAL-LIABILITIES-AND-EQUITY> 3,946,555 <INTEREST-LOAN> 165,029 <INTEREST-INVEST> 39,238 <INTEREST-OTHER> 4,359 <INTEREST-TOTAL> 208,626 <INTEREST-DEPOSIT> 40,409 <INTEREST-EXPENSE> 61,212 <INTEREST-INCOME-NET> 147,414 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 322 <EXPENSE-OTHER> 104,647 <INCOME-PRETAX> 75,462 <INCOME-PRE-EXTRAORDINARY> 75,462 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 49,668 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.10 <YIELD-ACTUAL> 8.23 <LOANS-NON> 42,616 <LOANS-PAST> 20,846 <LOANS-TROUBLED> 2,964 <LOANS-PROBLEM> 3,400 <ALLOWANCE-OPEN> 131,513 <CHARGE-OFFS> 17,085 <RECOVERIES> 14,161 <ALLOWANCE-CLOSE> 128,589 <ALLOWANCE-DOMESTIC> 128,589 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0