<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Condensed Consolidated Statement of Financial Condition as of September 30, 1997
(Unaudited) and the Condensed Consolidated Statement of Operations for the nine
months ended September 30, 1997 (Unaudited) and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                               0
<INT-BEARING-DEPOSITS>                          96,537
<FED-FUNDS-SOLD>                                67,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,860,464
<INVESTMENTS-CARRYING>                       2,258,070
<INVESTMENTS-MARKET>                         2,265,747
<LOANS>                                      3,365,417
<ALLOWANCE>                                     14,464
<TOTAL-ASSETS>                               7,904,363
<DEPOSITS>                                   4,559,692
<SHORT-TERM>                                   415,000
<LIABILITIES-OTHER>                             98,378
<LONG-TERM>                                  2,221,509
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           264
<OTHER-SE>                                     609,520
<TOTAL-LIABILITIES-AND-EQUITY>               7,904,363
<INTEREST-LOAN>                                175,908
<INTEREST-INVEST>                              225,552
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               401,460
<INTEREST-DEPOSIT>                             146,277
<INTEREST-EXPENSE>                             252,467
<INTEREST-INCOME-NET>                          148,993
<LOAN-LOSSES>                                    2,809
<SECURITIES-GAINS>                               4,695
<EXPENSE-OTHER>                                 78,306
<INCOME-PRETAX>                                 82,076
<INCOME-PRE-EXTRAORDINARY>                      47,533
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    47,533
<EPS-PRIMARY>                                     2.25
<EPS-DILUTED>                                     2.24
<YIELD-ACTUAL>                                    2.70
<LOANS-NON>                                     21,451
<LOANS-PAST>                                     5,159
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,894
<ALLOWANCE-OPEN>                                14,089
<CHARGE-OFFS>                                    3,508
<RECOVERIES>                                     1,074
<ALLOWANCE-CLOSE>                               14,464
<ALLOWANCE-DOMESTIC>                            14,464
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0