<TABLE> <S> <C>

<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000
<CURRENCY>                                      US DOLLARS
       
<S>                                             <C>
<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
<INT-BEARING-DEPOSITS>                                18,043
<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
<LIABILITIES-OTHER>                                   75,462
<LONG-TERM>                                          769,526
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                              37,451
<OTHER-SE>                                           373,060
<TOTAL-LIABILITIES-AND-EQUITY>                     5,700,431
<INTEREST-LOAN>                                      301,694
<INTEREST-INVEST>                                    117,356
<INTEREST-OTHER>                                           0
<INTEREST-TOTAL>                                     419,050
<INTEREST-DEPOSIT>                                   199,450
<INTEREST-EXPENSE>                                    32,291
<INTEREST-INCOME-NET>                                187,309
<LOAN-LOSSES>                                          9,030
<SECURITIES-GAINS>                                   (11,592)
<EXPENSE-OTHER>                                      148,772
<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
<LOANS-NON>                                           11,988
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                        7,230
<ALLOWANCE-OPEN>                                      25,235
<CHARGE-OFFS>                                         12,145
<RECOVERIES>                                           1,108
<ALLOWANCE-CLOSE>                                     23,228
<ALLOWANCE-DOMESTIC>                                       0
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                               23,228
        

</TABLE>