<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
             This schedule contains summary financial information extracted from
the consolidated condensed statement of financial condition and the consolidated
condensed statement of income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                             18,128
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       441,847
<INVESTMENTS-CARRYING>                          1,008,932
<INVESTMENTS-MARKET>                            1,017,702
<LOANS>                                         1,716,182
<ALLOWANCE>                                        14,370
<TOTAL-ASSETS>                                  3,259,627
<DEPOSITS>                                      2,343,513
<SHORT-TERM>                                       47,685
<LIABILITIES-OTHER>                                74,241
<LONG-TERM>                                       590,150
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              114
<OTHER-SE>                                        203,924
<TOTAL-LIABILITIES-AND-EQUITY>                  3,259,627
<INTEREST-LOAN>                                   118,624
<INTEREST-INVEST>                                  99,780
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                  218,404
<INTEREST-DEPOSIT>                                102,261
<INTEREST-EXPENSE>                                137,170
<INTEREST-INCOME-NET>                              81,234
<LOAN-LOSSES>                                       1,400
<SECURITIES-GAINS>                                  7,511
<EXPENSE-OTHER>                                    43,063
<INCOME-PRETAX>                                    52,690
<INCOME-PRE-EXTRAORDINARY>                         30,515
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                       30,515
<EPS-PRIMARY>                                        1.84
<EPS-DILUTED>                                        1.72
<YIELD-ACTUAL>                                       2.72
<LOANS-NON>                                        12,120
<LOANS-PAST>                                          509
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                     3,707
<ALLOWANCE-OPEN>                                   13,267
<CHARGE-OFFS>                                         538
<RECOVERIES>                                          241
<ALLOWANCE-CLOSE>                                  14,370
<ALLOWANCE-DOMESTIC>                               14,370
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>