<ARTICLE> 9
<RESTATED>
<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>                                     0.77
<EPS-DILUTED>                                     0.74
<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