WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  



<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                         167,349
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               108,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,146,285
<INVESTMENTS-CARRYING>                         266,354
<INVESTMENTS-MARKET>                           270,622
<LOANS>                                      2,793,175
<ALLOWANCE>                                     39,670
<TOTAL-ASSETS>                               4,585,811
<DEPOSITS>                                   4,083,873
<SHORT-TERM>                                    37,445
<LIABILITIES-OTHER>                             35,578
<LONG-TERM>                                     28,679
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,025
<OTHER-SE>                                     380,212
<TOTAL-LIABILITIES-AND-EQUITY>               4,585,811
<INTEREST-LOAN>                                225,346
<INTEREST-INVEST>                               89,409
<INTEREST-OTHER>                                 1,895
<INTEREST-TOTAL>                               316,650
<INTEREST-DEPOSIT>                             137,961
<INTEREST-EXPENSE>                             143,271
<INTEREST-INCOME-NET>                          173,379
<LOAN-LOSSES>                                    2,669
<SECURITIES-GAINS>                               1,471
<EXPENSE-OTHER>                                 90,203
<INCOME-PRETAX>                                101,475
<INCOME-PRE-EXTRAORDINARY>                     101,475
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    62,596
<EPS-PRIMARY>                                     1.76
<EPS-DILUTED>                                     1.76
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                     11,795
<LOANS-PAST>                                     8,117
<LOANS-TROUBLED>                                 5,209
<LOANS-PROBLEM>                                  5,500
<ALLOWANCE-OPEN>                                42,024
<CHARGE-OFFS>                                    7,642
<RECOVERIES>                                     2,619
<ALLOWANCE-CLOSE>                               39,670
<ALLOWANCE-DOMESTIC>                            28,341
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         11,329