<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                         157,919
<INT-BEARING-DEPOSITS>                          15,510
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,064,857
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,869,544
<ALLOWANCE>                                     33,834
<TOTAL-ASSETS>                               3,728,865
<DEPOSITS>                                   2,000,896
<SHORT-TERM>                                   478,951
<LIABILITIES-OTHER>                            576,101
<LONG-TERM>                                    324,166
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        26,279
<OTHER-SE>                                     322,472
<TOTAL-LIABILITIES-AND-EQUITY>               3,728,865
<INTEREST-LOAN>                                187,489
<INTEREST-INVEST>                               75,431
<INTEREST-OTHER>                                 7,612
<INTEREST-TOTAL>                               270,532
<INTEREST-DEPOSIT>                             107,078
<INTEREST-EXPENSE>                             161,070
<INTEREST-INCOME-NET>                          109,462
<LOAN-LOSSES>                                   12,851
<SECURITIES-GAINS>                               8,026
<EXPENSE-OTHER>                                241,454
<INCOME-PRETAX>                                 73,195
<INCOME-PRE-EXTRAORDINARY>                      36,788
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    36,788
<EPS-PRIMARY>                                     1.41<F1>
<EPS-DILUTED>                                     1.40<F2>
<YIELD-ACTUAL>                                     3.6
<LOANS-NON>                                     19,785
<LOANS-PAST>                                     1,068
<LOANS-TROUBLED>                                16,792
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                40,211
<CHARGE-OFFS>                                   22,806
<RECOVERIES>                                     4,369
<ALLOWANCE-CLOSE>                               33,834
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>For Purposes of This Exhibit, Primary means "Basic EPS" as prescribed by
Statement of Financial Accounting Standards No. 128.
<F2>For Purposes of This Exhibit, Diluted means "Diluted EPS" as prescribed by
Statement of Financial Accounting Standards No. 128.
</FN>

        

</TABLE>