<TABLE> <S> <C>

<ARTICLE>                     9
<MULTIPLIER>                  1000
<CURRENCY>                    U.S. Dollars

<S>                                            <C>
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   DEC-31-1999
<EXCHANGE-RATE>                                          1
<CASH>                                             571,051
<INT-BEARING-DEPOSITS>                               4,598
<FED-FUNDS-SOLD>                                   252,050
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      2,660,322
<INVESTMENTS-CARRYING>                             300,525
<INVESTMENTS-MARKET>                               297,027
<LOANS>                                         10,856,676
<ALLOWANCE>                                       (156,072)
<TOTAL-ASSETS>                                  15,314,179
<DEPOSITS>                                      11,855,903
<SHORT-TERM>                                     1,102,690
<LIABILITIES-OTHER>                                135,222
<LONG-TERM>                                        844,849
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                        100,000
<COMMON>                                           307,824
<OTHER-SE>                                         967,691
<TOTAL-LIABILITIES-AND-EQUITY>                  15,314,179
<INTEREST-LOAN>                                    862,310
<INTEREST-INVEST>                                  170,125
<INTEREST-OTHER>                                    22,890
<INTEREST-TOTAL>                                 1,055,325
<INTEREST-DEPOSIT>                                 370,844
<INTEREST-EXPENSE>                                 470,520
<INTEREST-INCOME-NET>                              584,805
<LOAN-LOSSES>                                       87,800
<SECURITIES-GAINS>                                     432
<EXPENSE-OTHER>                                    440,921
<INCOME-PRETAX>                                    270,787
<INCOME-PRE-EXTRAORDINARY>                         175,103
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       175,103
<EPS-BASIC>                                           1.07
<EPS-DILUTED>                                         1.06
<YIELD-ACTUAL>                                        4.38
<LOANS-NON>                                         76,461
<LOANS-PAST>                                         5,985
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                     62,704
<ALLOWANCE-OPEN>                                   130,347
<CHARGE-OFFS>                                       83,366
<RECOVERIES>                                       (18,438)
<ALLOWANCE-CLOSE>                                  156,072
<ALLOWANCE-DOMESTIC>                               156,072
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                             39,500



</TABLE>