<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 114,118 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 13,196 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 709,470 <INVESTMENTS-CARRYING> 138,474 <INVESTMENTS-MARKET> 137,898 <LOANS> 1,816,532 <ALLOWANCE> 24,208 <TOTAL-ASSETS> 2,883,815 <DEPOSITS> 1,979,294 <SHORT-TERM> 672,237 <LIABILITIES-OTHER> 22,217 <LONG-TERM> 0 <COMMON> 23,465 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 177,029 <TOTAL-LIABILITIES-AND-EQUITY> 2,883,815 <INTEREST-LOAN> 39,743 <INTEREST-INVEST> 14,060 <INTEREST-OTHER> 269 <INTEREST-TOTAL> 54,072 <INTEREST-DEPOSIT> 16,025 <INTEREST-EXPENSE> 26,540 <INTEREST-INCOME-NET> 27,532 <LOAN-LOSSES> 1,632 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 22,546 <INCOME-PRETAX> 9,293 <INCOME-PRE-EXTRAORDINARY> 5,979 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,979 <EPS-PRIMARY> .49 <EPS-DILUTED> .49 <YIELD-ACTUAL> 4.26 <LOANS-NON> 12,481 <LOANS-PAST> 5,894 <LOANS-TROUBLED> 7,704 <LOANS-PROBLEM> 26,631 <ALLOWANCE-OPEN> 24,083 <CHARGE-OFFS> 1,952 <RECOVERIES> 445 <ALLOWANCE-CLOSE> 24,208 <ALLOWANCE-DOMESTIC> 13,753 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,455