<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS FOR THE PERIOD ENDED MARCH 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         111,334
<INT-BEARING-DEPOSITS>                           9,561
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 1,705
<INVESTMENTS-HELD-FOR-SALE>                  1,023,283
<INVESTMENTS-CARRYING>                       1,613,242
<INVESTMENTS-MARKET>                         1,617,716
<LOANS>                                      2,481,262
<ALLOWANCE>                                   (38,491)
<TOTAL-ASSETS>                               5,470,161
<DEPOSITS>                                   3,871,794
<SHORT-TERM>                                   756,051
<LIABILITIES-OTHER>                            174,049
<LONG-TERM>                                    276,590
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,293
<OTHER-SE>                                     317,384
<TOTAL-LIABILITIES-AND-EQUITY>               5,470,161
<INTEREST-LOAN>                                 51,011
<INTEREST-INVEST>                               40,990
<INTEREST-OTHER>                                   627
<INTEREST-TOTAL>                                92,628
<INTEREST-DEPOSIT>                              39,537
<INTEREST-EXPENSE>                              54,341
<INTEREST-INCOME-NET>                           38,287
<LOAN-LOSSES>                                    1,796
<SECURITIES-GAINS>                               2,085
<EXPENSE-OTHER>                                 26,955
<INCOME-PRETAX>                                 19,335
<INCOME-PRE-EXTRAORDINARY>                      12,148
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,148
<EPS-PRIMARY>                                     0.88
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                     21,049
<LOANS-PAST>                                     2,226
<LOANS-TROUBLED>                                 3,860
<LOANS-PROBLEM>                                 18,756
<ALLOWANCE-OPEN>                                37,840
<CHARGE-OFFS>                                    1,557
<RECOVERIES>                                       412
<ALLOWANCE-CLOSE>                               38,491
<ALLOWANCE-DOMESTIC>                            38,491
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0