<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 93,853 <INT-BEARING-DEPOSITS> 6,798 <FED-FUNDS-SOLD> 36,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 348,515 <INVESTMENTS-CARRYING> 634,889 <INVESTMENTS-MARKET> 625,786 <LOANS> 2,825,713 <ALLOWANCE> 38,249 <TOTAL-ASSETS> 4,142,858 <DEPOSITS> 3,305,288 <SHORT-TERM> 125,411 <LIABILITIES-OTHER> 63,242 <LONG-TERM> 266,066 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 201 <OTHER-SE> 382,650 <TOTAL-LIABILITIES-AND-EQUITY> 4,142,858 <INTEREST-LOAN> 52,858 <INTEREST-INVEST> 3,418 <INTEREST-OTHER> 14,981 <INTEREST-TOTAL> 71,257 <INTEREST-DEPOSIT> 34,687 <INTEREST-EXPENSE> 41,577 <INTEREST-INCOME-NET> 29,680 <LOAN-LOSSES> 500 <SECURITIES-GAINS> 855 <EXPENSE-OTHER> 23,452 <INCOME-PRETAX> 13,817 <INCOME-PRE-EXTRAORDINARY> 8,754 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,754 <EPS-PRIMARY> 0.45 <EPS-DILUTED> 0.45 <YIELD-ACTUAL> 3.00 <LOANS-NON> 8,552 <LOANS-PAST> 4,655 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 28,876 <ALLOWANCE-OPEN> 38,619 <CHARGE-OFFS> 1,128 <RECOVERIES> 258 <ALLOWANCE-CLOSE> 38,249 <ALLOWANCE-DOMESTIC> 38,249 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0