<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