WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<LEGEND>
                     THIS SHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
                     EXTRACTED FROM FINACIAL STATEMENTS FOR THE PERIOD ENDED
                     DECEMBER 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
                     REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<ARTICLE>                                                      9
<MULTIPLIER>                                                   1,000
       
                                                            
<PERIOD-TYPE>                                                  12-MOS
<FISCAL-YEAR-END>                                              DEC-31-1995
<PERIOD-END>                                                   DEC-31-1995
<CASH>                                                                  150,621
<INT-BEARING-DEPOSITS>                                                   19,123
<FED-FUNDS-SOLD>                                                        115,500
<TRADING-ASSETS>                                                          1,790
<INVESTMENTS-HELD-FOR-SALE>                                             978,361
<INVESTMENTS-CARRYING>                                                1,761,692
<INVESTMENTS-MARKET>                                                  1,797,286
<LOANS>                                                               2,329,127
<ALLOWANCE>                                                            (34,583)
<TOTAL-ASSETS>                                                        5,567,059
<DEPOSITS>                                                            3,808,273
<SHORT-TERM>                                                            506,497
<LIABILITIES-OTHER>                                                     105,033
<LONG-TERM>                                                             758,490
<COMMON>                                                                 14,095
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                               2,516
<OTHER-SE>                                                              372,155
<TOTAL-LIABILITIES-AND-EQUITY>                                        5,567,059
<INTEREST-LOAN>                                                         184,591
<INTEREST-INVEST>                                                       244,078
<INTEREST-OTHER>                                                          2,790
<INTEREST-TOTAL>                                                        431,459
<INTEREST-DEPOSIT>                                                      157,415
<INTEREST-EXPENSE>                                                      278,944
<INTEREST-INCOME-NET>                                                   152,515
<LOAN-LOSSES>                                                             6,790
<SECURITIES-GAINS>                                                        5,457
<EXPENSE-OTHER>                                                         103,462
<INCOME-PRETAX>                                                          71,564
<INCOME-PRE-EXTRAORDINARY>                                               40,155
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                             40,155
<EPS-PRIMARY>                                                              2.84
<EPS-DILUTED>                                                              2.75
<YIELD-ACTUAL>                                                             7.20
<LOANS-NON>                                                              23,580
<LOANS-PAST>                                                              2,586
<LOANS-TROUBLED>                                                          2,792
<LOANS-PROBLEM>                                                          23,985
<ALLOWANCE-OPEN>                                                         33,775
<CHARGE-OFFS>                                                             7,591
<RECOVERIES>                                                              1,609
<ALLOWANCE-CLOSE>                                                        34,583
<ALLOWANCE-DOMESTIC>                                                     34,583
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0