<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                         111,736
<INT-BEARING-DEPOSITS>                           3,706
<FED-FUNDS-SOLD>                                38,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    420,913
<INVESTMENTS-CARRYING>                         647,287
<INVESTMENTS-MARKET>                           639,552
<LOANS>                                      2,738,092
<ALLOWANCE>                                     38,619
<TOTAL-ASSETS>                               4,116,679
<DEPOSITS>                                   3,231,810
<SHORT-TERM>                                   175,368
<LIABILITIES-OTHER>                             59,245
<LONG-TERM>                                    266,059
<COMMON>                                           200
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     383,997
<TOTAL-LIABILITIES-AND-EQUITY>               4,116,679
<INTEREST-LOAN>                                201,630
<INTEREST-INVEST>                               11,397
<INTEREST-OTHER>                                65,723
<INTEREST-TOTAL>                               278,750
<INTEREST-DEPOSIT>                             132,741
<INTEREST-EXPENSE>                             162,116
<INTEREST-INCOME-NET>                          116,634
<LOAN-LOSSES>                                    1,900
<SECURITIES-GAINS>                                 837
<EXPENSE-OTHER>                                 90,165
<INCOME-PRETAX>                                 57,131
<INCOME-PRE-EXTRAORDINARY>                      36,394
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    36,394
<EPS-PRIMARY>                                     1.87
<EPS-DILUTED>                                     1.86
<YIELD-ACTUAL>                                    3.01
<LOANS-NON>                                     13,847
<LOANS-PAST>                                     3,981
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 35,241
<ALLOWANCE-OPEN>                                42,196
<CHARGE-OFFS>                                    7,879
<RECOVERIES>                                     2,402
<ALLOWANCE-CLOSE>                               38,619
<ALLOWANCE-DOMESTIC>                            38,619
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0