<TABLE> <S> <C>

<ARTICLE>             9
<MULTIPLIER>             1,000
       
<S>                                     <C>
<PERIOD-TYPE>                           12-MOS
<FISCAL-YEAR-END>                                           DEC-31-1997
<PERIOD-END>                                                DEC-31-1997
<CASH>                                                          206,399
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                241,365
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                     958,210
<INVESTMENTS-CARRYING>                                          253,107
<INVESTMENTS-MARKET>                                            255,099
<LOANS>                                                       2,926,459
<ALLOWANCE>                                                      51,468
<TOTAL-ASSETS>                                                4,782,179
<DEPOSITS>                                                    3,731,733
<SHORT-TERM>                                                    530,187
<LIABILITIES-OTHER>                                              59,149
<LONG-TERM>                                                     150,000
<COMMON>                                                         51,459
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                         125
<OTHER-SE>                                                      259,526
<TOTAL-LIABILITIES-AND-EQUITY>                                4,782,179
<INTEREST-LOAN>                                                 252,724
<INTEREST-INVEST>                                                91,173
<INTEREST-OTHER>                                                  3,294
<INTEREST-TOTAL>                                                347,191
<INTEREST-DEPOSIT>                                              114,332
<INTEREST-EXPENSE>                                              149,416
<INTEREST-INCOME-NET>                                           197,775
<LOAN-LOSSES>                                                    11,945
<SECURITIES-GAINS>                                                8,730
<EXPENSE-OTHER>                                                 147,282
<INCOME-PRETAX>                                                  88,510
<INCOME-PRE-EXTRAORDINARY>                                       88,510
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                     53,217
<EPS-PRIMARY>                                                      1.80
<EPS-DILUTED>                                                      1.73
<YIELD-ACTUAL>                                                     4.56
<LOANS-NON>                                                      47,175
<LOANS-PAST>                                                     16,387
<LOANS-TROUBLED>                                                 16,162
<LOANS-PROBLEM>                                                  79,762
<ALLOWANCE-OPEN>                                                 47,304
<CHARGE-OFFS>                                                    15,275
<RECOVERIES>                                                      4,694
<ALLOWANCE-CLOSE>                                                51,468
<ALLOWANCE-DOMESTIC>                                             51,468
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                          12,692
        

</TABLE>