<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 202,603 <INT-BEARING-DEPOSITS> 10,090 <FED-FUNDS-SOLD> 141,534 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 782,660 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 2,867,427 <ALLOWANCE> 38,705 <TOTAL-ASSETS> 4,175,544 <DEPOSITS> 3,478,268 <SHORT-TERM> 152,539 <LIABILITIES-OTHER> 60,071 <LONG-TERM> 110,022 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 120,561 <OTHER-SE> 254,083 <TOTAL-LIABILITIES-AND-EQUITY> 4,175,544 <INTEREST-LOAN> 237,498 <INTEREST-INVEST> 53,429 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 290,927 <INTEREST-DEPOSIT> 107,329 <INTEREST-EXPENSE> 123,001 <INTEREST-INCOME-NET> 167,926 <LOAN-LOSSES> 7,112 <SECURITIES-GAINS> 281 <EXPENSE-OTHER> 150,332 <INCOME-PRETAX> 53,168 <INCOME-PRE-EXTRAORDINARY> 38,211 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 38,211 <EPS-PRIMARY> 1.39 <EPS-DILUTED> 1.36 <YIELD-ACTUAL> 4.80 <LOANS-NON> 20,215 <LOANS-PAST> 849 <LOANS-TROUBLED> 502 <LOANS-PROBLEM> 11,500 <ALLOWANCE-OPEN> 28,579 <CHARGE-OFFS> 8,723 <RECOVERIES> 4,502 <ALLOWANCE-CLOSE> 38,705 <ALLOWANCE-DOMESTIC> 28,204 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,501