<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 772,631 <INT-BEARING-DEPOSITS> 3,466,048 <FED-FUNDS-SOLD> 58,960 <TRADING-ASSETS> 79,814 <INVESTMENTS-HELD-FOR-SALE> 2,387,322 <INVESTMENTS-CARRYING> 319,227 <INVESTMENTS-MARKET> 319,525 <LOANS> 2,557,641 <ALLOWANCE> 33,414 <TOTAL-ASSETS> 6,511,986 <DEPOSITS> 5,190,534 <SHORT-TERM> 911 <LIABILITIES-OTHER> 72,319 <LONG-TERM> 51,350 <COMMON> 23,503 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 558,974 <TOTAL-LIABILITIES-AND-EQUITY> 6,511,986 <INTEREST-LOAN> 220,568 <INTEREST-INVEST> 141,496 <INTEREST-OTHER> 10,013 <INTEREST-TOTAL> 372,077 <INTEREST-DEPOSIT> 123,135 <INTEREST-EXPENSE> 164,581 <INTEREST-INCOME-NET> 207,496 <LOAN-LOSSES> 10,565 <SECURITIES-GAINS> 473 <EXPENSE-OTHER> 246,808 <INCOME-PRETAX> 85,530 <INCOME-PRE-EXTRAORDINARY> 85,530 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 57,532 <EPS-PRIMARY> 2.89 <EPS-DILUTED> 2.89 <YIELD-ACTUAL> 3.51 <LOANS-NON> 10,953 <LOANS-PAST> 6,704 <LOANS-TROUBLED> 523 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 32,685 <CHARGE-OFFS> 12,335 <RECOVERIES> 2,499 <ALLOWANCE-CLOSE> 33,414 <ALLOWANCE-DOMESTIC> 33,414 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0