<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JUL-01-1996
<PERIOD-END>                               SEP-30-1996             SEP-30-1996
<CASH>                                         135,494                 135,494
<INT-BEARING-DEPOSITS>                             212                     212
<FED-FUNDS-SOLD>                                38,536                  38,536
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    563,651                 563,651
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      2,588,323               2,588,323
<ALLOWANCE>                                     35,337                  35,337
<TOTAL-ASSETS>                               3,468,007               3,468,007
<DEPOSITS>                                   2,848,817               2,848,817
<SHORT-TERM>                                   178,333                 178,333
<LIABILITIES-OTHER>                             45,714                  45,714
<LONG-TERM>                                     85,356                  85,356
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        91,394                  91,394
<OTHER-SE>                                     218,393                 218,393
<TOTAL-LIABILITIES-AND-EQUITY>               3,468,007               3,468,007
<INTEREST-LOAN>                                163,590                  55,808
<INTEREST-INVEST>                               27,692                   8,593
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               191,282                  64,401
<INTEREST-DEPOSIT>                              71,755                  23,901
<INTEREST-EXPENSE>                              81,971                  27,202
<INTEREST-INCOME-NET>                          109,311                  37,199
<LOAN-LOSSES>                                    6,563                   3,021
<SECURITIES-GAINS>                                  80                      21
<EXPENSE-OTHER>                                 94,867                  32,190
<INCOME-PRETAX>                                 38,614                  13,433
<INCOME-PRE-EXTRAORDINARY>                      27,604                   9,603
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    27,604                   9,603
<EPS-PRIMARY>                                     1.88                     .65
<EPS-DILUTED>                                     1.88                     .65
<YIELD-ACTUAL>                                    8.23                    8.25
<LOANS-NON>                                     16,642                  16,642
<LOANS-PAST>                                       637                     637
<LOANS-TROUBLED>                                   520                     520
<LOANS-PROBLEM>                                  8,300                   8,300
<ALLOWANCE-OPEN>                                34,771                  35,256
<CHARGE-OFFS>                                    8,622                   3,927
<RECOVERIES>                                     2,625                     987
<ALLOWANCE-CLOSE>                               35,337                  35,337
<ALLOWANCE-DOMESTIC>                            27,214                  27,214
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          8,123                   8,123