<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-START>                             JAN-01-1995             JAN-31-1994
<PERIOD-END>                               MAR-31-1995             MAR-31-1994
<CASH>                                          96,993                  84,721
<INT-BEARING-DEPOSITS>                          16,583                  20,216
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<TRADING-ASSETS>                                22,905                  42,379
<INVESTMENTS-HELD-FOR-SALE>                    806,209                 931,706
<INVESTMENTS-CARRYING>                         283,942                 140,735
<INVESTMENTS-MARKET>                           278,593                 140,150
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<ALLOWANCE>                                     24,846                  22,232
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<SHORT-TERM>                                   286,219                 284,365
<LIABILITIES-OTHER>                             30,810                  44,117
<LONG-TERM>                                    125,809                 186,120
<COMMON>                                       249,637                 237,269
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<PREFERRED>                                          0                       0
<OTHER-SE>                                           0                       0
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<INTEREST-LOAN>                                 36,090                  28,958
<INTEREST-INVEST>                               18,828                  13,859
<INTEREST-OTHER>                                   910                     868
<INTEREST-TOTAL>                                55,828                  43,685
<INTEREST-DEPOSIT>                              21,675                  13,101
<INTEREST-EXPENSE>                              28,031                  17,438
<INTEREST-INCOME-NET>                           27,797                  26,247
<LOAN-LOSSES>                                    1,708                   1,661
<SECURITIES-GAINS>                                  53                     335
<EXPENSE-OTHER>                                 22,064                  21,131
<INCOME-PRETAX>                                 16,533                  15,133
<INCOME-PRE-EXTRAORDINARY>                      16,533                  15,133
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    11,220                  10,155
<EPS-PRIMARY>                                      .45                     .41
<EPS-DILUTED>                                      .45                     .41
<YIELD-ACTUAL>                                    4.21                    4.47
<LOANS-NON>                                          0                       0
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<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                    905                   1,977
<ALLOWANCE-OPEN>                                24,310                  21,467
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<ALLOWANCE-CLOSE>                               24,846                  22,232
<ALLOWANCE-DOMESTIC>                            24,846                  22,232
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0