
<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         683,196
<INT-BEARING-DEPOSITS>                          29,735
<FED-FUNDS-SOLD>                                14,355
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  6,098,576
<INVESTMENTS-CARRYING>                         166,145
<INVESTMENTS-MARKET>                           166,145
<LOANS>                                     12,393,286
<ALLOWANCE>                                    185,689
<TOTAL-ASSETS>                              20,086,988
<DEPOSITS>                                  14,576,688
<SHORT-TERM>                                 2,721,738
<LIABILITIES-OTHER>                            480,120
<LONG-TERM>                                    277,565
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       235,035
<OTHER-SE>                                   1,795,842
<TOTAL-LIABILITIES-AND-EQUITY>              20,086,988
<INTEREST-LOAN>                                742,627
<INTEREST-INVEST>                              282,457
<INTEREST-OTHER>                                   627
<INTEREST-TOTAL>                             1,025,711
<INTEREST-DEPOSIT>                             395,722
<INTEREST-EXPENSE>                             515,455
<INTEREST-INCOME-NET>                          510,256
<LOAN-LOSSES>                                   44,229
<SECURITIES-GAINS>                                 390
<EXPENSE-OTHER>                                375,289
<INCOME-PRETAX>                                361,507
<INCOME-PRE-EXTRAORDINARY>                     241,444
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   241,444
<EPS-PRIMARY>                                     2.29
<EPS-DILUTED>                                     2.29
<YIELD-ACTUAL>                                    3.99
<LOANS-NON>                                     40,127
<LOANS-PAST>                                    31,315
<LOANS-TROUBLED>                                   863
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               177,388
<CHARGE-OFFS>                                   56,991
<RECOVERIES>                                    15,225
<ALLOWANCE-CLOSE>                              185,689
<ALLOWANCE-DOMESTIC>                           185,689
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>
