<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                                                           <C>                            <C>                            
<PERIOD-TYPE>                                                       9-MOS                         12-MOS
<FISCAL-YEAR-END>                                             DEC-31-1995                    DEC-31-1995
<PERIOD-START>                                                JAN-01-1996                    JAN-01-1995
<PERIOD-END>                                                  SEP-30-1996                    DEC-31-1995
<CASH>                                                             57,938                         39,166
<INT-BEARING-DEPOSITS>                                            314,192                        267,776
<FED-FUNDS-SOLD>                                                        0                              0
<TRADING-ASSETS>                                                        0                              0
<INVESTMENTS-HELD-FOR-SALE>                                             0                              0
<INVESTMENTS-CARRYING>                                             24,837                         28,713
<INVESTMENTS-MARKET>                                                    0                              0
<LOANS>                                                         1,629,923                      2,024,310
<ALLOWANCE>                                                        14,461                         13,729
<TOTAL-ASSETS>                                                  2,246,137                      2,510,635
<DEPOSITS>                                                      1,052,352                      1,092,989
<SHORT-TERM>                                                      738,045                      1,070,815
<LIABILITIES-OTHER>                                               146,302                         60,262
<LONG-TERM>                                                        88,169                        192,467
<PREFERRED-MANDATORY>                                                   0                              0
<PREFERRED>                                                             0                              0
<COMMON>                                                          142,943                         51,981
<OTHER-SE>                                                              0                              0
<TOTAL-LIABILITIES-AND-EQUITY>                                    221,349                         94,102
<INTEREST-LOAN>                                                   139,284                        120,244
<INTEREST-INVEST>                                                   2,831                          6,630
<INTEREST-OTHER>                                                    6,957                          2,608
<INTEREST-TOTAL>                                                  149,072                        129,482
<INTEREST-DEPOSIT>                                                      0                              0
<INTEREST-EXPENSE>                                                100,067                         95,728
<INTEREST-INCOME-NET>                                              48,305                         33,754
<LOAN-LOSSES>                                                       6,142                          5,450
<SECURITIES-GAINS>                                                      0                              0
<EXPENSE-OTHER>                                                    72,744                         61,180
<INCOME-PRETAX>                                                   118,785                         24,130
<INCOME-PRE-EXTRAORDINARY>                                         61,090                         14,193
<EXTRAORDINARY>                                                         0                              0
<CHANGES>                                                               0                              0
<NET-INCOME>                                                       61,090                         14,193
<EPS-PRIMARY>                                                        1.60                            .41
<EPS-DILUTED>                                                        1.60                            .40
<YIELD-ACTUAL>                                                          0                              0
<LOANS-NON>                                                        46,585                         30,988
<LOANS-PAST>                                                            0                              0
<LOANS-TROUBLED>                                                        0                              0
<LOANS-PROBLEM>                                                         0                              0
<ALLOWANCE-OPEN>                                                   13,729                         16,824
<CHARGE-OFFS>                                                      (5,523)                        (3,106)
<RECOVERIES>                                                          113                             11
<ALLOWANCE-CLOSE>                                                  14,461                         13,729
<ALLOWANCE-DOMESTIC>                                               14,461                         13,729
<ALLOWANCE-FOREIGN>                                                     0                              0
<ALLOWANCE-UNALLOCATED>                                                 0                              0