<ARTICLE>                                            9
<LEGEND>
                    THIS SHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
                    EXTRACTED FROM FINANCIAL STATEMENTS FOR THE PERIOD ENDED
                    MARCH 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
                    REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   MAR-31-1996
<CASH>                                             134,722
<INT-BEARING-DEPOSITS>                              14,337
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                     1,790
<INVESTMENTS-HELD-FOR-SALE>                        876,797
<INVESTMENTS-CARRYING>                           1,778,035
<INVESTMENTS-MARKET>                             1,796,455
<LOANS>                                          2,307,775
<ALLOWANCE>                                        (35,793)
<TOTAL-ASSETS>                                   5,420,051
<DEPOSITS>                                       3,765,628
<SHORT-TERM>                                       705,946
<LIABILITIES-OTHER>                                104,498
<LONG-TERM>                                        452,589
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                          2,516
<COMMON>                                            14,104
<OTHER-SE>                                         374,770
<TOTAL-LIABILITIES-AND-EQUITY>                   5,420,051
<INTEREST-LOAN>                                     48,478
<INTEREST-INVEST>                                   45,370
<INTEREST-OTHER>                                       979
<INTEREST-TOTAL>                                    94,827
<INTEREST-DEPOSIT>                                  38,962
<INTEREST-EXPENSE>                                  56,945
<INTEREST-INCOME-NET>                               37,882
<LOAN-LOSSES>                                        1,950
<SECURITIES-GAINS>                                   1,893
<EXPENSE-OTHER>                                     26,213
<INCOME-PRETAX>                                     18,233
<INCOME-PRE-EXTRAORDINARY>                          11,566
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        11,566
<EPS-PRIMARY>                                         0.77
<EPS-DILUTED>                                         0.74
<YIELD-ACTUAL>                                        7.39
<LOANS-NON>                                         25,265
<LOANS-PAST>                                         2,929
<LOANS-TROUBLED>                                     2,930
<LOANS-PROBLEM>                                     20,867
<ALLOWANCE-OPEN>                                    34,583
<CHARGE-OFFS>                                        1,154
<RECOVERIES>                                           414
<ALLOWANCE-CLOSE>                                   35,793
<ALLOWANCE-DOMESTIC>                                35,793
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0