<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> OCT-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 182,039 <INT-BEARING-DEPOSITS> 83 <FED-FUNDS-SOLD> 18,788 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 717,058 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 3,229,809 <ALLOWANCE> 42,166 <TOTAL-ASSETS> 4,305,973 <DEPOSITS> 3,598,751 <SHORT-TERM> 176,805 <LIABILITIES-OTHER> 51,570 <LONG-TERM> 86,826 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 118,312 <OTHER-SE> 273,709 <TOTAL-LIABILITIES-AND-EQUITY> 4,305,973 <INTEREST-LOAN> 68,639 <INTEREST-INVEST> 11,313 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 79,952 <INTEREST-DEPOSIT> 30,704 <INTEREST-EXPENSE> 34,568 <INTEREST-INCOME-NET> 45,384 <LOAN-LOSSES> 4,146 <SECURITIES-GAINS> 41 <EXPENSE-OTHER> 38,608 <INCOME-PRETAX> 14,252 <INCOME-PRE-EXTRAORDINARY> 10,242 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,242 <EPS-PRIMARY> .37 <EPS-DILUTED> .36 <YIELD-ACTUAL> 4.74 <LOANS-NON> 19,781 <LOANS-PAST> 1,874 <LOANS-TROUBLED> 502 <LOANS-PROBLEM> 12,600 <ALLOWANCE-OPEN> 39,577 <CHARGE-OFFS> 2,752 <RECOVERIES> 1,195 <ALLOWANCE-CLOSE> 42,166 <ALLOWANCE-DOMESTIC> 29,676 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 12,490