<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 127,486,000 <INT-BEARING-DEPOSITS> 195,000 <FED-FUNDS-SOLD> 26,797,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 442,488,000 <INVESTMENTS-CARRYING> 235,276,000 <INVESTMENTS-MARKET> 239,054,000 <LOANS> 2,294,201,000 <ALLOWANCE> 27,942,000 <TOTAL-ASSETS> 3,199,347,000 <DEPOSITS> 2,521,148,000 <SHORT-TERM> 311,111,000 <LIABILITIES-OTHER> 41,230,000 <LONG-TERM> 3,000,000 <COMMON> 48,488,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 274,370,000 <TOTAL-LIABILITIES-AND-EQUITY> 3,199,347,000 <INTEREST-LOAN> 184,998,000 <INTEREST-INVEST> 40,067,000 <INTEREST-OTHER> 1,020,000 <INTEREST-TOTAL> 226,085,000 <INTEREST-DEPOSIT> 86,413,000 <INTEREST-EXPENSE> 99,449,000 <INTEREST-INCOME-NET> 126,636,000 <LOAN-LOSSES> 2,791,000 <SECURITIES-GAINS> 528,000 <EXPENSE-OTHER> 95,728,000 <INCOME-PRETAX> 57,158,000 <INCOME-PRE-EXTRAORDINARY> 57,158,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 37,395,000 <EPS-PRIMARY> 0.97 <EPS-DILUTED> 0.96 <YIELD-ACTUAL> 4.63 <LOANS-NON> 5,848,000 <LOANS-PAST> 5,831,000 <LOANS-TROUBLED> 95,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 28,074,000 <CHARGE-OFFS> 3,698,000 <RECOVERIES> 775,000 <ALLOWANCE-CLOSE> 27,942,000 <ALLOWANCE-DOMESTIC> 13,265,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 14,677,000