<TABLE> <S> <C>

<ARTICLE>                9

       
<S>                               <C>
<PERIOD-TYPE>                     3-MOS
<FISCAL-YEAR-END>                                           DEC-31-1997
<PERIOD-END>                                                MAR-31-1997
<CASH>                                                          155,875
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                     679,839
<INVESTMENTS-CARRYING>                                          250,868
<INVESTMENTS-MARKET>                                            248,222
<LOANS>                                                       1,850,042
<ALLOWANCE>                                                      35,745
<TOTAL-ASSETS>                                                3,066,588
<DEPOSITS>                                                    2,439,022
<SHORT-TERM>                                                    237,796
<LIABILITIES-OTHER>                                              33,525
<LONG-TERM>                                                     150,000
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                       3,960
<COMMON>                                                         38,448
<OTHER-SE>                                                      163,837
<TOTAL-LIABILITIES-AND-EQUITY>                                3,066,588
<INTEREST-LOAN>                                                  39,450
<INTEREST-INVEST>                                                14,660
<INTEREST-OTHER>                                                    156
<INTEREST-TOTAL>                                                 54,266
<INTEREST-DEPOSIT>                                               14,758
<INTEREST-EXPENSE>                                                5,284
<INTEREST-INCOME-NET>                                            34,224
<LOAN-LOSSES>                                                     1,481
<SECURITIES-GAINS>                                                1,272
<EXPENSE-OTHER>                                                  22,994
<INCOME-PRETAX>                                                  18,534
<INCOME-PRE-EXTRAORDINARY>                                       18,534
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                     11,484
<EPS-PRIMARY>                                                      0.50
<EPS-DILUTED>                                                      0.50
<YIELD-ACTUAL>                                                     4.92
<LOANS-NON>                                                      26,574
<LOANS-PAST>                                                     16,091
<LOANS-TROUBLED>                                                  3,064
<LOANS-PROBLEM>                                                  29,638
<ALLOWANCE-OPEN>                                                 35,153
<CHARGE-OFFS>                                                     2,161
<RECOVERIES>                                                      1,272
<ALLOWANCE-CLOSE>                                                35,745
<ALLOWANCE-DOMESTIC>                                             25,887
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                           9,858
        


</TABLE>