<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         397,886
<INT-BEARING-DEPOSITS>                       5,114,721
<FED-FUNDS-SOLD>                               277,028
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    256,919
<INVESTMENTS-CARRYING>                         649,799
<INVESTMENTS-MARKET>                           650,897
<LOANS>                                      5,107,041
<ALLOWANCE>                                    104,812
<TOTAL-ASSETS>                               6,912,057
<DEPOSITS>                                   5,836,169
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             64,733
<LONG-TERM>                                    103,876<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,734
<OTHER-SE>                                     486,232
<TOTAL-LIABILITIES-AND-EQUITY>               6,912,057
<INTEREST-LOAN>                                700,472
<INTEREST-INVEST>                               55,411
<INTEREST-OTHER>                                 9,531
<INTEREST-TOTAL>                               765,414
<INTEREST-DEPOSIT>                             250,170
<INTEREST-EXPENSE>                             280,231
<INTEREST-INCOME-NET>                          485,183
<LOAN-LOSSES>                                  180,059
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                371,256
<INCOME-PRETAX>                                114,353
<INCOME-PRE-EXTRAORDINARY>                      70,232
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    70,232
<EPS-PRIMARY>                                   202.53
<EPS-DILUTED>                                   202.53
<YIELD-ACTUAL>                                   13.41
<LOANS-NON>                                      7,231
<LOANS-PAST>                                    73,580
<LOANS-TROUBLED>                                   972
<LOANS-PROBLEM>                                 26,847
<ALLOWANCE-OPEN>                                67,740
<CHARGE-OFFS>                                  164,711
<RECOVERIES>                                    19,986
<ALLOWANCE-CLOSE>                              104,812
<ALLOWANCE-DOMESTIC>                           104,812
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INCLUDES 96,616 IN CAPITAL NOTES
</FN>