<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                              JAN-1-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                         149,923
<INT-BEARING-DEPOSITS>                          15,892
<FED-FUNDS-SOLD>                                35,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    439,303
<INVESTMENTS-CARRYING>                         439,303
<INVESTMENTS-MARKET>                           448,075
<LOANS>                                      2,295,166
<ALLOWANCE>                                     34,636
<TOTAL-ASSETS>                               3,302,028
<DEPOSITS>                                   2,863,612
<SHORT-TERM>                                    35,848
<LIABILITIES-OTHER>                             40,849
<LONG-TERM>                                     73,624
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        52,764     
<OTHER-SE>                                     235,331
<TOTAL-LIABILITIES-AND-EQUITY>               3,302,028
<INTEREST-LOAN>                                203,800
<INTEREST-INVEST>                               35,811
<INTEREST-OTHER>                                12,816
<INTEREST-TOTAL>                               252,427
<INTEREST-DEPOSIT>                             107,165
<INTEREST-EXPENSE>                             114,457
<INTEREST-INCOME-NET>                          137,970
<LOAN-LOSSES>                                    6,206
<SECURITIES-GAINS>                                (765)
<EXPENSE-OTHER>                                111,750
<INCOME-PRETAX>                                 51,254
<INCOME-PRE-EXTRAORDINARY>                      35,504
<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     1.69
<EPS-DILUTED>                                     1.69
<YIELD-ACTUAL>                                    4.86
<LOANS-NON>                                      1,592
<LOANS-PAST>                                     5,148
<LOANS-TROUBLED>                                     7
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<CHARGE-OFFS>                                    4,714
<RECOVERIES>                                     1,567
<ALLOWANCE-CLOSE>                               34,636
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<ALLOWANCE-FOREIGN>                                  0
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