<TABLE> <S> <C>

<ARTICLE>   9
<MULTIPLIER>                                                1,000
       
<S>                                                         <C>
<PERIOD-TYPE>                                               3-MOS
<FISCAL-YEAR-END>                                           DEC-31-1997
<PERIOD-START>                                              JAN-01-1997
<PERIOD-END>                                                MAR-31-1997
<CASH>                                                            181,918
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                   25,650
<TRADING-ASSETS>                                                    8,165
<INVESTMENTS-HELD-FOR-SALE>                                       812,418
<INVESTMENTS-CARRYING>                                            864,132
<INVESTMENTS-MARKET>                                              828,344
<LOANS>                                                         1,305,779
<ALLOWANCE>                                                        19,544
<TOTAL-ASSETS>                                                  3,345,362
<DEPOSITS>                                                      3,072,459
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                17,397
<LONG-TERM>                                                        26,077
<COMMON>                                                           24,564
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                         7,506
<OTHER-SE>                                                        172,359
<TOTAL-LIABILITIES-AND-EQUITY>                                  3,345,362
<INTEREST-LOAN>                                                    28,113
<INTEREST-INVEST>                                                  26,480
<INTEREST-OTHER>                                                      746
<INTEREST-TOTAL>                                                   55,339
<INTEREST-DEPOSIT>                                                 19,907
<INTEREST-EXPENSE>                                                 20,873
<INTEREST-INCOME-NET>                                              34,466
<LOAN-LOSSES>                                                       1,626
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                    31,206
<INCOME-PRETAX>                                                    14,583
<INCOME-PRE-EXTRAORDINARY>                                         14,583
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                        9,434
<EPS-PRIMARY>                                                        0.57
<EPS-DILUTED>                                                        0.56
<YIELD-ACTUAL>                                                       4.78
<LOANS-NON>                                                        10,687
<LOANS-PAST>                                                          300
<LOANS-TROUBLED>                                                       21
<LOANS-PROBLEM>                                                    13,839
<ALLOWANCE-OPEN>                                                   17,975
<CHARGE-OFFS>                                                         200
<RECOVERIES>                                                          143
<ALLOWANCE-CLOSE>                                                  19,544
<ALLOWANCE-DOMESTIC>                                               19,544
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0
        

</TABLE>