<ARTICLE> 5 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <EXCHANGE-RATE> 1 <CASH> 0 <SECURITIES> 0 <RECEIVABLES> 0 <ALLOWANCES> 0 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 0 <DEPRECIATION> 0 <TOTAL-ASSETS> 0 <CURRENT-LIABILITIES> 0 <BONDS> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 0 <TOTAL-LIABILITY-AND-EQUITY> 0 <SALES> 0 <TOTAL-REVENUES> 314,470 <CGS> 0 <TOTAL-COSTS> 174,207 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 496 <INTEREST-EXPENSE> 26,582 <INCOME-PRETAX> 72,937 <INCOME-TAX> 26,476 <INCOME-CONTINUING> 46,461 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 46,461 <EPS-PRIMARY> 1.54 <EPS-DILUTED> 1.53