<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                          80,712,000
<INT-BEARING-DEPOSITS>                              50,000
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    273,440,000
<INVESTMENTS-CARRYING>                         175,914,000
<INVESTMENTS-MARKET>                           179,082,000
<LOANS>                                      1,954,573,000
<ALLOWANCE>                                     24,941,000
<TOTAL-ASSETS>                               2,581,025,000
<DEPOSITS>                                   2,017,597,000
<SHORT-TERM>                                   140,846,000
<LIABILITIES-OTHER>                             41,206,000
<LONG-TERM>                                    108,889,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        38,238,000
<OTHER-SE>                                     234,249,000
<TOTAL-LIABILITIES-AND-EQUITY>               2,581,025,000
<INTEREST-LOAN>                                119,799,000
<INTEREST-INVEST>                               18,521,000
<INTEREST-OTHER>                                   150,000
<INTEREST-TOTAL>                               138,470,000
<INTEREST-DEPOSIT>                              54,122,000
<INTEREST-EXPENSE>                              61,059,000
<INTEREST-INCOME-NET>                           77,411,000
<LOAN-LOSSES>                                    2,150,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                 43,432,000
<INCOME-PRETAX>                                 46,297,000
<INCOME-PRE-EXTRAORDINARY>                      30,513,000
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                    30,513,000
<EPS-PRIMARY>                                         2.01
<EPS-DILUTED>                                         2.01
<YIELD-ACTUAL>                                        4.75
<LOANS-NON>                                      6,187,000
<LOANS-PAST>                                    12,155,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                22,283,000
<CHARGE-OFFS>                                    2,599,000
<RECOVERIES>                                       412,000
<ALLOWANCE-CLOSE>                               24,941,000
<ALLOWANCE-DOMESTIC>                             9,436,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                         15,505,000