<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 94,701,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 170,435,000 <INVESTMENTS-CARRYING> 174,925,000 <INVESTMENTS-MARKET> 174,658,000 <LOANS> 1,801,483,000 <ALLOWANCE> 22,705,000 <TOTAL-ASSETS> 2,299,270,000 <DEPOSITS> 1,772,585,000 <SHORT-TERM> 98,505,000 <LIABILITIES-OTHER> 32,687,000 <LONG-TERM> 140,584,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 38,238,000 <OTHER-SE> 216,671,000 <TOTAL-LIABILITIES-AND-EQUITY> 2,299,270,000 <INTEREST-LOAN> 112,852,000 <INTEREST-INVEST> 15,128,000 <INTEREST-OTHER> 344,000 <INTEREST-TOTAL> 128,324,000 <INTEREST-DEPOSIT> 47,464,000 <INTEREST-EXPENSE> 53,998,000 <INTEREST-INCOME-NET> 74,326,000 <LOAN-LOSSES> 2,160,000 <SECURITIES-GAINS> (98,000) <EXPENSE-OTHER> 49,544,000 <INCOME-PRETAX> 32,486,000 <INCOME-PRE-EXTRAORDINARY> 32,486,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 20,576,000 <EPS-PRIMARY> 1.35 <EPS-DILUTED> 1.35 <YIELD-ACTUAL> 4.89 <LOANS-NON> 4,691,000 <LOANS-PAST> 5,310,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 22,545,000 <CHARGE-OFFS> 2,476,000 <RECOVERIES> 476,000 <ALLOWANCE-CLOSE> 22,705,000 <ALLOWANCE-DOMESTIC> 9,064,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 13,641,000