<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 98,137 <INT-BEARING-DEPOSITS> 30,572 <FED-FUNDS-SOLD> 45,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 669,772 <INVESTMENTS-CARRYING> 542,312 <INVESTMENTS-MARKET> 537,502 <LOANS> 2,830,073 <ALLOWANCE> 35,965 <TOTAL-ASSETS> 4,357,170 <DEPOSITS> 3,337,055 <SHORT-TERM> 366,854 <LIABILITIES-OTHER> 70,761 <LONG-TERM> 194,390 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 256 <OTHER-SE> 387,854 <TOTAL-LIABILITIES-AND-EQUITY> 4,357,170 <INTEREST-LOAN> 229,639 <INTEREST-INVEST> 11,493 <INTEREST-OTHER> 55,124 <INTEREST-TOTAL> 296,256 <INTEREST-DEPOSIT> 139,433 <INTEREST-EXPENSE> 171,510 <INTEREST-INCOME-NET> 124,746 <LOAN-LOSSES> 1,750 <SECURITIES-GAINS> 969 <EXPENSE-OTHER> 117,818 <INCOME-PRETAX> 39,683 <INCOME-PRE-EXTRAORDINARY> 26,257 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 26,257 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.09 <YIELD-ACTUAL> 3.07 <LOANS-NON> 3,836 <LOANS-PAST> 5,699 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 61,420 <ALLOWANCE-OPEN> 38,619 <CHARGE-OFFS> 5,113 <RECOVERIES> 709 <ALLOWANCE-CLOSE> 35,965 <ALLOWANCE-DOMESTIC> 35,965 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0