<TABLE> <S> <C>

<ARTICLE>                     9
<MULTIPLIER>                  1000
<CURRENCY>                    U.S. Dollars
       
<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                          1
<CASH>                                             555,756
<INT-BEARING-DEPOSITS>                               1,141
<FED-FUNDS-SOLD>                                   348,991
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      2,676,311
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         10,006,182
<ALLOWANCE>                                       (127,976)
<TOTAL-ASSETS>                                  14,011,531
<DEPOSITS>                                      10,603,006
<SHORT-TERM>                                     1,134,136
<LIABILITIES-OTHER>                                150,599
<LONG-TERM>                                        805,689
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                        100,000
<COMMON>                                           300,289
<OTHER-SE>                                         917,812
<TOTAL-LIABILITIES-AND-EQUITY>                  14,011,531
<INTEREST-LOAN>                                    799,401
<INTEREST-INVEST>                                  160,379
<INTEREST-OTHER>                                    13,942
<INTEREST-TOTAL>                                   953,722
<INTEREST-DEPOSIT>                                 343,174
<INTEREST-EXPENSE>                                 423,188
<INTEREST-INCOME-NET>                              530,534
<LOAN-LOSSES>                                       26,000
<SECURITIES-GAINS>                                   5,678
<EXPENSE-OTHER>                                    416,584
<INCOME-PRETAX>                                    272,885
<INCOME-PRE-EXTRAORDINARY>                         178,629
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       178,629
<EPS-PRIMARY>                                         1.12
<EPS-DILUTED>                                         1.10
<YIELD-ACTUAL>                                        4.51
<LOANS-NON>                                         40,152
<LOANS-PAST>                                         7,054
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                     20,686
<ALLOWANCE-OPEN>                                   124,381
<CHARGE-OFFS>                                       39,702
<RECOVERIES>                                        17,297
<ALLOWANCE-CLOSE>                                  127,976
<ALLOWANCE-DOMESTIC>                               127,976
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                             37,100
        


</TABLE>