<ARTICLE> 9                          
<MULTIPLIER> 1,000                   
                                     
                               
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         123,835    
<INT-BEARING-DEPOSITS>                          30,572    
<FED-FUNDS-SOLD>                                49,900    
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    845,303    
<INVESTMENTS-CARRYING>                         573,109    
<INVESTMENTS-MARKET>                           568,205    
<LOANS>                                      3,302,695    
<ALLOWANCE>                                     39,985    
<TOTAL-ASSETS>                               4,987,214    
<DEPOSITS>                                   3,897,201    
<SHORT-TERM>                                   369,396    
<LIABILITIES-OTHER>                             76,171    
<LONG-TERM>                                    194,390    
<PREFERRED-MANDATORY>                              444    
<PREFERRED>                                          0    
<COMMON>                                             0    
<OTHER-SE>                                     449,612    
<TOTAL-LIABILITIES-AND-EQUITY>               4,987,214    
<INTEREST-LOAN>                                257,562    
<INTEREST-INVEST>                               23,274    
<INTEREST-OTHER>                                57,548    
<INTEREST-TOTAL>                               338,384    
<INTEREST-DEPOSIT>                             158,088    
<INTEREST-EXPENSE>                             190,998    
<INTEREST-INCOME-NET>                          147,386    
<LOAN-LOSSES>                                    1,905    
<SECURITIES-GAINS>                               1,043    
<EXPENSE-OTHER>                                140,294    
<INCOME-PRETAX>                                 49,428    
<INCOME-PRE-EXTRAORDINARY>                      33,046    
<EXTRAORDINARY>                                      0     
<CHANGES>                                            0    
<NET-INCOME>                                    33,046    
<EPS-PRIMARY>                                     0.85    
<EPS-DILUTED>                                     0.81    
<YIELD-ACTUAL>                                    3.18    
<LOANS-NON>                                      5,033    
<LOANS-PAST>                                     6,207    
<LOANS-TROUBLED>                                     0    
<LOANS-PROBLEM>                                 61,420    
<ALLOWANCE-OPEN>                                42,143    
<CHARGE-OFFS>                                    5,481    
<RECOVERIES>                                     1,418    
<ALLOWANCE-CLOSE>                               39,985    
<ALLOWANCE-DOMESTIC>                            39,985    
<ALLOWANCE-FOREIGN>                                  0    
<ALLOWANCE-UNALLOCATED>                              0