<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 696,407 <INT-BEARING-DEPOSITS> 3,178,723 <FED-FUNDS-SOLD> 89,165 <TRADING-ASSETS> 86,011 <INVESTMENTS-HELD-FOR-SALE> 2,336,574 <INVESTMENTS-CARRYING> 311,757 <INVESTMENTS-MARKET> 313,173 <LOANS> 2,452,526 <ALLOWANCE> 32,685 <TOTAL-ASSETS> 6,281,328 <DEPOSITS> 4,813,683 <SHORT-TERM> 501 <LIABILITIES-OTHER> 82,628 <LONG-TERM> 40,736 <COMMON> 22,548 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 599,892 <TOTAL-LIABILITIES-AND-EQUITY> 6,281,328 <INTEREST-LOAN> 217,701 <INTEREST-INVEST> 128,351 <INTEREST-OTHER> 11,003 <INTEREST-TOTAL> 357,055 <INTEREST-DEPOSIT> 121,594 <INTEREST-EXPENSE> 157,787 <INTEREST-INCOME-NET> 199,268 <LOAN-LOSSES> 5,090 <SECURITIES-GAINS> 1,416 <EXPENSE-OTHER> 260,533 <INCOME-PRETAX> 77,623 <INCOME-PRE-EXTRAORDINARY> 77,623 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 52,176 <EPS-PRIMARY> 2.52 <EPS-DILUTED> 2.52 <YIELD-ACTUAL> 4.00 <LOANS-NON> 2,664 <LOANS-PAST> 5,270 <LOANS-TROUBLED> 985 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 32,527 <CHARGE-OFFS> 8,090 <RECOVERIES> 2,673 <ALLOWANCE-CLOSE> 32,685 <ALLOWANCE-DOMESTIC> 32,685 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0