<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 107,595 <INT-BEARING-DEPOSITS> 3,883 <FED-FUNDS-SOLD> 19,193 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 770,256 <INVESTMENTS-CARRYING> 21,336 <INVESTMENTS-MARKET> 21,456 <LOANS> 2,085,277 <ALLOWANCE> 30,148 <TOTAL-ASSETS> 3,119,238 <DEPOSITS> 2,260,667 <SHORT-TERM> 493,142 <LIABILITIES-OTHER> 103,289 <LONG-TERM> 0 <COMMON> 169 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 261,971 <TOTAL-LIABILITIES-AND-EQUITY> 3,119,238 <INTEREST-LOAN> 180,759 <INTEREST-INVEST> 53,141 <INTEREST-OTHER> 3,272 <INTEREST-TOTAL> 237,171 <INTEREST-DEPOSIT> 85,247 <INTEREST-EXPENSE> 114,422 <INTEREST-INCOME-NET> 122,749 <LOAN-LOSSES> 7,469 <SECURITIES-GAINS> 623 <EXPENSE-OTHER> 94,327 <INCOME-PRETAX> 52,386 <INCOME-PRE-EXTRAORDINARY> 33,716 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 33,716 <EPS-PRIMARY> 1.97 <EPS-DILUTED> 1.97 <YIELD-ACTUAL> 4.33 <LOANS-NON> 10,448 <LOANS-PAST> 3,982 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 31,785 <ALLOWANCE-OPEN> 29,194 <CHARGE-OFFS> 9,210 <RECOVERIES> 2,695 <ALLOWANCE-CLOSE> 30,148 <ALLOWANCE-DOMESTIC> 8,523 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 21,625