<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS FOR THE PERIOD ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         156,596
<INT-BEARING-DEPOSITS>                          13,390
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 1,727
<INVESTMENTS-HELD-FOR-SALE>                    828,454
<INVESTMENTS-CARRYING>                       1,878,030
<INVESTMENTS-MARKET>                         1,666,049
<LOANS>                                      2,386,958
<ALLOWANCE>                                   (36,541)
<TOTAL-ASSETS>                               5,358,593
<DEPOSITS>                                   3,828,609
<SHORT-TERM>                                   782,088
<LIABILITIES-OTHER>                            102,971
<LONG-TERM>                                    285,342
<PREFERRED-MANDATORY>                           14,130
<PREFERRED>                                          0
<COMMON>                                         2,479
<OTHER-SE>                                     343,074
<TOTAL-LIABILITIES-AND-EQUITY>               5,358,593
<INTEREST-LOAN>                                148,755
<INTEREST-INVEST>                              127,972
<INTEREST-OTHER>                                 2,382
<INTEREST-TOTAL>                               279,109
<INTEREST-DEPOSIT>                             114,152
<INTEREST-EXPENSE>                             185,442
<INTEREST-INCOME-NET>                          113,667
<LOAN-LOSSES>                                    5,650
<SECURITIES-GAINS>                               5,733
<EXPENSE-OTHER>                                 85,035
<INCOME-PRETAX>                                 50,883
<INCOME-PRE-EXTRAORDINARY>                      30,517
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    30,517
<EPS-PRIMARY>                                     2.08
<EPS-DILUTED>                                     2.00
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                     22,018
<LOANS-PAST>                                     3,438
<LOANS-TROUBLED>                                 4,458
<LOANS-PROBLEM>                                 18,124
<ALLOWANCE-OPEN>                                34,583
<CHARGE-OFFS>                                    3,402
<RECOVERIES>                                     1,510
<ALLOWANCE-CLOSE>                               38,541
<ALLOWANCE-DOMESTIC>                            38,541
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0