<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 145,223 <INT-BEARING-DEPOSITS> 2,945 <FED-FUNDS-SOLD> 72,175 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 108,169 <INVESTMENTS-CARRYING> 807,932 <INVESTMENTS-MARKET> 804,416 <LOANS> 1,070,561 <ALLOWANCE> (17,698) <TOTAL-ASSETS> 2,276,357 <DEPOSITS> 1,939,115 <SHORT-TERM> 82,732 <LIABILITIES-OTHER> 19,028 <LONG-TERM> 2,035 <COMMON> 30,043 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 204,404 <TOTAL-LIABILITIES-AND-EQUITY> 2,276,357 <INTEREST-LOAN> 51,858 <INTEREST-INVEST> 29,536 <INTEREST-OTHER> 3,358 <INTEREST-TOTAL> 84,752 <INTEREST-DEPOSIT> 30,276 <INTEREST-EXPENSE> 32,256 <INTEREST-INCOME-NET> 52,496 <LOAN-LOSSES> 1,801 <SECURITIES-GAINS> (34) <EXPENSE-OTHER> 39,410 <INCOME-PRETAX> 23,557 <INCOME-PRE-EXTRAORDINARY> 23,557 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,800 <EPS-PRIMARY> 1.78 <EPS-DILUTED> 1.78 <YIELD-ACTUAL> 5.12 <LOANS-NON> 5,177 <LOANS-PAST> 4,073 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 17,391 <CHARGE-OFFS> 2,630 <RECOVERIES> 1,136 <ALLOWANCE-CLOSE> 17,698 <ALLOWANCE-DOMESTIC> 17,698 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0