<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 89,429 <INT-BEARING-DEPOSITS> 2,364 <FED-FUNDS-SOLD> 56,730 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 532,979 <INVESTMENTS-CARRYING> 426,458 <INVESTMENTS-MARKET> 429,872 <LOANS> 3,256,866 <ALLOWANCE> 34,395 <TOTAL-ASSETS> 4,557,336 <DEPOSITS> 3,284,428 <SHORT-TERM> 370,203 <LIABILITIES-OTHER> 65,938 <LONG-TERM> 418,855 <PREFERRED-MANDATORY> 354 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 417,558 <TOTAL-LIABILITIES-AND-EQUITY> 4,557,336 <INTEREST-LOAN> 229,360 <INTEREST-INVEST> 13,605 <INTEREST-OTHER> 72,252 <INTEREST-TOTAL> 315,217 <INTEREST-DEPOSIT> 142,213 <INTEREST-EXPENSE> 185,385 <INTEREST-INCOME-NET> 129,832 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 100,750 <INCOME-PRETAX> 74,549 <INCOME-PRE-EXTRAORDINARY> 49,461 <EXTRAORDINARY> (403) <CHANGES> 0 <NET-INCOME> 49,058 <EPS-PRIMARY> 1.45 <EPS-DILUTED> 1.40 <YIELD-ACTUAL> 3.01 <LOANS-NON> 5,592 <LOANS-PAST> 3,185 <LOANS-TROUBLED> 857 <LOANS-PROBLEM> 20,969 <ALLOWANCE-OPEN> 35,965 <CHARGE-OFFS> 2,781 <RECOVERIES> 1,211 <ALLOWANCE-CLOSE> 34,395 <ALLOWANCE-DOMESTIC> 34,395 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0