<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
BALANCE SHEET AS OF DECEMBER 31, 1996, FROM THE INCOME STATEMENT FOR
THE TWELVE MONTHS ENDED DECEMBER 31, 1996 AND FROM MANAGEMENT'S DISCUSSION
AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FOR THE PERIOD
ENDED DECEMBER 31, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO 
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                     257,337,000
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                            27,942,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>              1,596,687,000
<INVESTMENTS-CARRYING>                      26,279,000
<INVESTMENTS-MARKET>                        26,376,000
<LOANS>                                  4,582,712,000
<ALLOWANCE>                                 97,718,000
<TOTAL-ASSETS>                           6,642,681,000
<DEPOSITS>                               5,339,655,000
<SHORT-TERM>                               336,655,000
<LIABILITIES-OTHER>                         80,940,000
<LONG-TERM>                                 49,395,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    94,872,000
<OTHER-SE>                                 741,164,000
<TOTAL-LIABILITIES-AND-EQUITY>           6,642,681,000
<INTEREST-LOAN>                            400,800,000
<INTEREST-INVEST>                           92,812,000
<INTEREST-OTHER>                             4,527,000
<INTEREST-TOTAL>                           498,139,000
<INTEREST-DEPOSIT>                         170,763,000
<INTEREST-EXPENSE>                         187,558,000
<INTEREST-INCOME-NET>                      310,581,000
<LOAN-LOSSES>                               14,666,000
<SECURITIES-GAINS>                              74,000
<EXPENSE-OTHER>                            198,415,000
<INCOME-PRETAX>                            186,928,000
<INCOME-PRE-EXTRAORDINARY>                 186,928,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                               117,400,000
<EPS-PRIMARY>                                     2.46
<EPS-DILUTED>                                     2.46
<YIELD-ACTUAL>                                    5.17
<LOANS-NON>                                 20,457,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              4,645,000
<ALLOWANCE-OPEN>                            91,398,000
<CHARGE-OFFS>                               12,210,000
<RECOVERIES>                                 3,864,000
<ALLOWANCE-CLOSE>                           97,718,000
<ALLOWANCE-DOMESTIC>                        97,718,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0