<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000
<CURRENCY>                                      US DOLLARS
       
                                             
<PERIOD-TYPE>                                     YEAR
<FISCAL-YEAR-END>                                DEC-31-1996
<PERIOD-START>                                   JAN-01-1996
<PERIOD-END>                                     DEC-31-1996
<EXCHANGE-RATE>                                            1
<CASH>                                               133,529
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<FED-FUNDS-SOLD>                                       2,513
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                        1,184,562
<INVESTMENTS-CARRYING>                               660,786
<INVESTMENTS-MARKET>                                 655,102
<LOANS>                                            3,512,819
<ALLOWANCE>                                           23,228
<TOTAL-ASSETS>                                     5,700,431
<DEPOSITS>                                         4,444,932
<SHORT-TERM>                                               0
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<LONG-TERM>                                          769,526
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
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<INTEREST-LOAN>                                      301,694
<INTEREST-INVEST>                                    117,356
<INTEREST-OTHER>                                           0
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<INTEREST-DEPOSIT>                                   199,450
<INTEREST-EXPENSE>                                    32,291
<INTEREST-INCOME-NET>                                187,309
<LOAN-LOSSES>                                          9,030
<SECURITIES-GAINS>                                   (11,592)
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<INCOME-PRETAX>                                       75,901
<INCOME-PRE-EXTRAORDINARY>                            50,458
<EXTRAORDINARY>                                         (686)
<CHANGES>                                                  0
<NET-INCOME>                                          49,772
<EPS-PRIMARY>                                           1.31
<EPS-DILUTED>                                           1.30
<YIELD-ACTUAL>                                          3.33
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<LOANS-PAST>                                               0
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<ALLOWANCE-OPEN>                                      25,235
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<ALLOWANCE-DOMESTIC>                                       0
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                               23,228