<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         153,148
<INT-BEARING-DEPOSITS>                          18,715
<FED-FUNDS-SOLD>                                70,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    530,066
<INVESTMENTS-CARRYING>                         530,066
<INVESTMENTS-MARKET>                           537,119
<LOANS>                                      2,469,334
<ALLOWANCE>                                     37,272
<TOTAL-ASSETS>                               3,617,239
<DEPOSITS>                                   3,161,379
<SHORT-TERM>                                    33,636
<LIABILITIES-OTHER>                             51,122
<LONG-TERM>                                     55,778
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        52,911
<OTHER-SE>                                     262,413
<TOTAL-LIABILITIES-AND-EQUITY>               3,617,239
<INTEREST-LOAN>                                227,169
<INTEREST-INVEST>                               30,779
<INTEREST-OTHER>                                19,971
<INTEREST-TOTAL>                               277,919
<INTEREST-DEPOSIT>                             118,746
<INTEREST-EXPENSE>                             126,505
<INTEREST-INCOME-NET>                          151,414
<LOAN-LOSSES>                                    8,804
<SECURITIES-GAINS>                                 262
<EXPENSE-OTHER>                                118,472
<INCOME-PRETAX>                                 64,883
<INCOME-PRE-EXTRAORDINARY>                      42,883
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    42,883
<EPS-PRIMARY>                                     2.02
<EPS-DILUTED>                                     2.02
<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                      3,940
<LOANS-PAST>                                     4,811
<LOANS-TROUBLED>                                    77
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                34,636
<CHARGE-OFFS>                                    8,004
<RECOVERIES>                                     1,836
<ALLOWANCE-CLOSE>                               37,272
<ALLOWANCE-DOMESTIC>                            37,272
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0