<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S QUARTERLY FINANCIAL STATEMENTS AS OF AND FOR THE THREE MONTH PERIOD
ENDED MARCH 31, 1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         341,295
<INT-BEARING-DEPOSITS>                          76,529
<FED-FUNDS-SOLD>                               167,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,061,976
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      5,947,296
<ALLOWANCE>                                     85,136
<TOTAL-ASSETS>                               8,095,447
<DEPOSITS>                                   5,950,032
<SHORT-TERM>                                   960,583
<LIABILITIES-OTHER>                            221,992
<LONG-TERM>                                    246,443
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       165,952
<OTHER-SE>                                     549,700
<TOTAL-LIABILITIES-AND-EQUITY>               8,095,447
<INTEREST-LOAN>                                124,783
<INTEREST-INVEST>                               17,757
<INTEREST-OTHER>                                 2,855
<INTEREST-TOTAL>                               145,395
<INTEREST-DEPOSIT>                              47,207
<INTEREST-EXPENSE>                              62,881
<INTEREST-INCOME-NET>                           82,514
<LOAN-LOSSES>                                    3,752
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                 77,175
<INCOME-PRETAX>                                 29,606
<INCOME-PRE-EXTRAORDINARY>                      29,606
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    20,516
<EPS-PRIMARY>                                      .65
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    8.23
<LOANS-NON>                                     38,852
<LOANS-PAST>                                    30,698
<LOANS-TROUBLED>                                46,681
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                85,248
<CHARGE-OFFS>                                    4,484
<RECOVERIES>                                       620
<ALLOWANCE-CLOSE>                               85,136
<ALLOWANCE-DOMESTIC>                            40,470
<ALLOWANCE-FOREIGN>                              1,730
<ALLOWANCE-UNALLOCATED>                         42,936
        

</TABLE>