<TABLE> <S> <C>

<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000
<RESTATED>


<S>                                       <C>
<PERIOD-TYPE>                                        12-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    DEC-31-1999

<CASH>                                             3,288,291
<INT-BEARING-DEPOSITS>                                55,662
<FED-FUNDS-SOLD>                                     841,248
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       12,919,413
<INVESTMENTS-CARRYING>                               194,454
<INVESTMENTS-MARKET>                                 200,310
<LOANS>                                           50,626,008
<ALLOWANCE>                                          714,898
<TOTAL-ASSETS>                                    72,787,833
<DEPOSITS>                                        51,886,411
<SHORT-TERM>                                       8,302,019
<LIABILITIES-OTHER>                                1,252,384
<LONG-TERM>                                        5,038,383
<COMMON>                                               9,846
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                         6,298,790
<TOTAL-LIABILITIES-AND-EQUITY>                    72,787,833
<INTEREST-LOAN>                                    3,968,923
<INTEREST-INVEST>                                    921,807
<INTEREST-OTHER>                                     130,982
<INTEREST-TOTAL>                                   5,021,712
<INTEREST-DEPOSIT>                                 1,678,839
<INTEREST-EXPENSE>                                 2,378,566
<INTEREST-INCOME-NET>                              2,643,146
<LOAN-LOSSES>                                        187,301
<SECURITIES-GAINS>                                    14,762
<EXPENSE-OTHER>                                    2,445,849
<INCOME-PRETAX>                                    1,412,567
<INCOME-PRE-EXTRAORDINARY>                         1,412,567
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         875,318
<EPS-BASIC>                                           0.89
<EPS-DILUTED>                                           0.87
<YIELD-ACTUAL>                                          4.09
<LOANS-NON>                                          207,996
<LOANS-PAST>                                         122,760
<LOANS-TROUBLED>                                       1,664
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                     704,846
<CHARGE-OFFS>                                        251,980
<RECOVERIES>                                          74,731
<ALLOWANCE-CLOSE>                                    714,898
<ALLOWANCE-DOMESTIC>                                 714,898
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0


</TABLE>