<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         324,659
<INT-BEARING-DEPOSITS>                          47,325
<FED-FUNDS-SOLD>                               125,326
<TRADING-ASSETS>                                37,317
<INVESTMENTS-HELD-FOR-SALE>                  1,396,672
<INVESTMENTS-CARRYING>                         175,026
<INVESTMENTS-MARKET>                           175,726
<LOANS>                                     11,120,221
<ALLOWANCE>                                    270,466
<TOTAL-ASSETS>                              12,943,915
<DEPOSITS>                                  10,514,489
<SHORT-TERM>                                 1,150,187
<LIABILITIES-OTHER>                            195,578
<LONG-TERM>                                    178,002
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,487
<OTHER-SE>                                     865,172
<TOTAL-LIABILITIES-AND-EQUITY>              12,943,915
<INTEREST-LOAN>                                881,002
<INTEREST-INVEST>                              110,052
<INTEREST-OTHER>                                 6,378
<INTEREST-TOTAL>                               997,432
<INTEREST-DEPOSIT>                             392,739
<INTEREST-EXPENSE>                             466,408
<INTEREST-INCOME-NET>                          531,024
<LOAN-LOSSES>                                   43,325
<SECURITIES-GAINS>                                (37)
<EXPENSE-OTHER>                                408,978
<INCOME-PRETAX>                                248,969
<INCOME-PRE-EXTRAORDINARY>                     151,103
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   151,103
<EPS-PRIMARY>                                    21.31
<EPS-DILUTED>                                    20.97
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                     58,232
<LOANS-PAST>                                    39,652
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               262,344
<CHARGE-OFFS>                                   49,546
<RECOVERIES>                                    14,343
<ALLOWANCE-CLOSE>                              270,466
<ALLOWANCE-DOMESTIC>                           147,659
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        122,807