<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                     120,503,000
<INT-BEARING-DEPOSITS>                      13,113,000
<FED-FUNDS-SOLD>                            15,000,000
<TRADING-ASSETS>                             5,693,000
<INVESTMENTS-HELD-FOR-SALE>                386,711,000
<INVESTMENTS-CARRYING>                     190,549,000
<INVESTMENTS-MARKET>                       193,677,000
<LOANS>                                  2,088,026,000
<ALLOWANCE>                                 28,074,000
<TOTAL-ASSETS>                           2,889,826,000
<DEPOSITS>                               2,329,063,000
<SHORT-TERM>                               183,550,000
<LIABILITIES-OTHER>                         30,555,000
<LONG-TERM>                                 39,497,000
<COMMON>                                    48,105,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                 259,056,000
<TOTAL-LIABILITIES-AND-EQUITY>           2,889,826,000
<INTEREST-LOAN>                            170,904,000
<INTEREST-INVEST>                           36,917,000
<INTEREST-OTHER>                             2,113,000
<INTEREST-TOTAL>                           209,934,000
<INTEREST-DEPOSIT>                          80,101,000
<INTEREST-EXPENSE>                          90,116,000
<INTEREST-INCOME-NET>                      119,818,000
<LOAN-LOSSES>                                2,338,000
<SECURITIES-GAINS>                             833,000
<EXPENSE-OTHER>                             83,605,000
<INCOME-PRETAX>                             58,986,000
<INCOME-PRE-EXTRAORDINARY>                  58,986,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                39,109,000
<EPS-PRIMARY>                                     1.02
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                  9,322,000
<LOANS-PAST>                                 4,692,000
<LOANS-TROUBLED>                               744,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                            28,109,000
<CHARGE-OFFS>                                4,115,000
<RECOVERIES>                                   725,000
<ALLOWANCE-CLOSE>                           28,074,000
<ALLOWANCE-DOMESTIC>                        13,846,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                     14,228,000