<TABLE> <S> <C>


<ARTICLE> 9

<LEGEND>

This  schedule  contains  summary  financial   information  extracted  from  the
financial  statements  and  statistical   disclosures   referenced  within  item
14(a)(1)(2)  and item 1 of the Form 10-K and is  qualified  in its  entirety  by
reference to such financial statements and statistical disclosures.

</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         167,403
<INT-BEARING-DEPOSITS>                          36,642
<FED-FUNDS-SOLD>                                41,712
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    856,380
<INVESTMENTS-CARRYING>                         379,958
<INVESTMENTS-MARKET>                           383,526
<LOANS>                                      3,553,662
<ALLOWANCE>                                     45,016
<TOTAL-ASSETS>                               5,231,268
<DEPOSITS>                                   4,097,111
<SHORT-TERM>                                   326,070
<LIABILITIES-OTHER>                             92,697
<LONG-TERM>                                    208,083
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        76,456
<OTHER-SE>                                     430,851
<TOTAL-LIABILITIES-AND-EQUITY>               5,231,268
<INTEREST-LOAN>                                301,856
<INTEREST-INVEST>                               72,574
<INTEREST-OTHER>                                10,091
<INTEREST-TOTAL>                               384,521
<INTEREST-DEPOSIT>                             153,132
<INTEREST-EXPENSE>                             174,758
<INTEREST-INCOME-NET>                          209,763
<LOAN-LOSSES>                                    9,858
<SECURITIES-GAINS>                                 556
<EXPENSE-OTHER>                                162,559
<INCOME-PRETAX>                                100,019
<INCOME-PRE-EXTRAORDINARY>                      69,475
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    69,475
<EPS-PRIMARY>                                     1.83
<EPS-DILUTED>                                     1.83
<YIELD-ACTUAL>                                    3.75
<LOANS-NON>                                     18,913
<LOANS-PAST>                                    17,649
<LOANS-TROUBLED>                                   393
<LOANS-PROBLEM>                                  9,074
<ALLOWANCE-OPEN>                                44,377
<CHARGE-OFFS>                                   11,452
<RECOVERIES>                                     2,233
<ALLOWANCE-CLOSE>                               45,016
<ALLOWANCE-DOMESTIC>                            45,016
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
                                             



</TABLE>