<ARTICLE> 9
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                         440,347
<INT-BEARING-DEPOSITS>                             134
<FED-FUNDS-SOLD>                                59,250
<TRADING-ASSETS>                                13,122
<INVESTMENTS-HELD-FOR-SALE>                  2,177,529
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      6,217,483
<ALLOWANCE>                                     81,606
<TOTAL-ASSETS>                               9,190,110
<DEPOSITS>                                   7,304,846
<SHORT-TERM>                                   944,823
<LIABILITIES-OTHER>                            136,043
<LONG-TERM>                                     80,723
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       197,015
<OTHER-SE>                                     526,660
<TOTAL-LIABILITIES-AND-EQUITY>               9,190,110
<INTEREST-LOAN>                                489,326
<INTEREST-INVEST>                              148,598
<INTEREST-OTHER>                                 3,301
<INTEREST-TOTAL>                               641,225
<INTEREST-DEPOSIT>                             223,141
<INTEREST-EXPENSE>                             271,483
<INTEREST-INCOME-NET>                          369,742
<LOAN-LOSSES>                                   37,983
<SECURITIES-GAINS>                                 160
<EXPENSE-OTHER>                                326,848
<INCOME-PRETAX>                                177,448
<INCOME-PRE-EXTRAORDINARY>                     118,438
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   118,438
<EPS-PRIMARY>                                     3.02
<EPS-DILUTED>                                     2.89
<YIELD-ACTUAL>                                    8.26
<LOANS-NON>                                     27,255
<LOANS-PAST>                                    29,451
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                75,845
<CHARGE-OFFS>                                   45,449
<RECOVERIES>                                    13,227
<ALLOWANCE-CLOSE>                               81,606
<ALLOWANCE-DOMESTIC>                            81,606
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         15,296