<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS FOR THE PERIOD ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         169,740
<INT-BEARING-DEPOSITS>                          12,253
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 1,727
<INVESTMENTS-HELD-FOR-SALE>                    925,340
<INVESTMENTS-CARRYING>                       1,683,908
<INVESTMENTS-MARKET>                         1,702,201
<LOANS>                                      2,448,474
<ALLOWANCE>                                   (37,840)
<TOTAL-ASSETS>                               5,417,877
<DEPOSITS>                                   3,821,906
<SHORT-TERM>                                   774,678
<LIABILITIES-OTHER>                            106,532
<LONG-TERM>                                    354,710
<PREFERRED-MANDATORY>                           14,139
<PREFERRED>                                          0
<COMMON>                                         2,342
<OTHER-SE>                                     343,570
<TOTAL-LIABILITIES-AND-EQUITY>               5,417,877
<INTEREST-LOAN>                                201,394
<INTEREST-INVEST>                              170,003
<INTEREST-OTHER>                                 3,448
<INTEREST-TOTAL>                               374,845
<INTEREST-DEPOSIT>                             154,747
<INTEREST-EXPENSE>                             222,098
<INTEREST-INCOME-NET>                          152,747
<LOAN-LOSSES>                                    7,813
<SECURITIES-GAINS>                               6,018
<EXPENSE-OTHER>                                110,614
<INCOME-PRETAX>                                 70,582
<INCOME-PRE-EXTRAORDINARY>                      42,964
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    42,964
<EPS-PRIMARY>                                     2.98
<EPS-DILUTED>                                     2.86
<YIELD-ACTUAL>                                    7.44
<LOANS-NON>                                     20,172
<LOANS-PAST>                                     2,464
<LOANS-TROUBLED>                                 4,441
<LOANS-PROBLEM>                                 20,833
<ALLOWANCE-OPEN>                                34,583
<CHARGE-OFFS>                                    6,638
<RECOVERIES>                                     2,082
<ALLOWANCE-CLOSE>                               37,840
<ALLOWANCE-DOMESTIC>                            37,840
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0