<TABLE> <S> <C>

<ARTICLE>       9
<MULTIPLIER>1,000

       
<S><C>

<PERIOD-TYPE>12-MOS

<FISCAL-YEAR-END>                                           DEC-31-1998
<PERIOD-END>    DEC-31-1998
<CASH>                                                          217,954
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                 17,697
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                   2,260,625
<INVESTMENTS-CARRYING>                                          634,971
<INVESTMENTS-MARKET>                                            638,564
<LOANS>                                                       3,386,810
<ALLOWANCE>                                                      53,499
<TOTAL-ASSETS>                                                6,778,661
<DEPOSITS>                                                    5,051,390
<SHORT-TERM>                                                    821,593
<LIABILITIES-OTHER>                                             248,863
<LONG-TERM>                                                     200,000
<COMMON>                                                         72,246
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                          50
<OTHER-SE>                                                      384,519
<TOTAL-LIABILITIES-AND-EQUITY>                                6,778,661
<INTEREST-LOAN>                                                 298,311
<INTEREST-INVEST>                                               162,783
<INTEREST-OTHER>                                                  7,453
<INTEREST-TOTAL>                                                468,547
<INTEREST-DEPOSIT>                                              161,077
<INTEREST-EXPENSE>                                              214,353
<INTEREST-INCOME-NET>                                           254,194
<LOAN-LOSSES>                                                    14,374
<SECURITIES-GAINS>                                                3,319
<EXPENSE-OTHER>                                                 232,096
<INCOME-PRETAX>                                                  41,023
<INCOME-PRE-EXTRAORDINARY>                                       41,023
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                     23,151
<EPS-PRIMARY>                                                       .57
<EPS-DILUTED>                                                       .56
<YIELD-ACTUAL>                                                     4.10
<LOANS-NON>                                                      17,629
<LOANS-PAST>                                                     13,483
<LOANS-TROUBLED>                                                  3,269
<LOANS-PROBLEM>                                                  34,381
<ALLOWANCE-OPEN>                                                 65,858
<CHARGE-OFFS>                                                    31,526
<RECOVERIES>                                                      2,843
<ALLOWANCE-CLOSE>                                                53,499
<ALLOWANCE-DOMESTIC>                                             53,499
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                           8,549
        

</TABLE>