<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from SEC
     10-Q and is qualified in its entirety by reference to such financial
     statements.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   MAR-31-1997
<CASH>                                           134,266
<INT-BEARING-DEPOSITS>                             2,216
<FED-FUNDS-SOLD>                                     801
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      476,097
<INVESTMENTS-CARRYING>                           258,561
<INVESTMENTS-MARKET>                             266,060
<LOANS>                                        2,589,899
<ALLOWANCE>                                       32,884
<TOTAL-ASSETS>                                 3,564,343
<DEPOSITS>                                     3,033,493
<SHORT-TERM>                                     181,396
<LIABILITIES-OTHER>                               40,848
<LONG-TERM>                                       29,537
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          26,407
<OTHER-SE>                                       252,662
<TOTAL-LIABILITIES-AND-EQUITY>                 3,564,343
<INTEREST-LOAN>                                   59,210
<INTEREST-INVEST>                                 11,746
<INTEREST-OTHER>                                     397
<INTEREST-TOTAL>                                  71,353
<INTEREST-DEPOSIT>                                31,997
<INTEREST-EXPENSE>                                34,659
<INTEREST-INCOME-NET>                             36,694
<LOAN-LOSSES>                                      3,488
<SECURITIES-GAINS>                                   121
<EXPENSE-OTHER>                                   28,925
<INCOME-PRETAX>                                   14,927
<INCOME-PRE-EXTRAORDINARY>                        10,729
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      10,729
<EPS-PRIMARY>                                        .40
<EPS-DILUTED>                                        .40
<YIELD-ACTUAL>                                      4.64
<LOANS-NON>                                        6,852
<LOANS-PAST>                                       6,171
<LOANS-TROUBLED>                                   1,177
<LOANS-PROBLEM>                                    1,862
<ALLOWANCE-OPEN>                                  31,720
<CHARGE-OFFS>                                      2,765
<RECOVERIES>                                         441
<ALLOWANCE-CLOSE>                                 32,884
<ALLOWANCE-DOMESTIC>                              32,884
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        


</TABLE>