<TABLE> <S> <C>

<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000


<S>                           <C>                      <C>

<PERIOD-TYPE>                                     6-MOS                    6-MOS
<FISCAL-YEAR-END>                           DEC-31-1999              DEC-31-1998
<PERIOD-END>                                JUN-30-1999              JUN-30-1998

<CASH>                                       2,058,098                2,349,532
<INT-BEARING-DEPOSITS>                          66,818	                 20,993
<FED-FUNDS-SOLD>                               159,032	                 79,257
<TRADING-ASSETS>                                     0                    2,754
<INVESTMENTS-HELD-FOR-SALE>                  5,258,784                6,220,902
<INVESTMENTS-CARRYING>                         208,022                  135,407
<INVESTMENTS-MARKET>                           213,662                2,565,780
<LOANS>                                     26,687,510               25,868,057
<ALLOWANCE>                                    405,159                  395,956
<TOTAL-ASSETS>                              38,134,417               38,475,839
<DEPOSITS>                                  28,150,099               28,850,765
<SHORT-TERM>                                 4,027,645                3,643,308
<LIABILITIES-OTHER>                            674,935                  742,984
<LONG-TERM>                                  1,667,574                1,708,869
<COMMON>                                         6,641                    6,583
<PREFERRED-MANDATORY>                                0                        0
<PREFERRED>                                          0                        0
<OTHER-SE>                                   3,607,523                3,523,330
<TOTAL-LIABILITIES-AND-EQUITY>              38,134,417               38,475,839
<INTEREST-LOAN>                              1,071,496                1,058,922
<INTEREST-INVEST>                              179,613                  202,386
<INTEREST-OTHER>                                49,360                   31,557
<INTEREST-TOTAL>                             1,300,469                  447,936
<INTEREST-DEPOSIT>                             413,517                  604,393
<INTEREST-EXPENSE>                             561,264                  688,472
<INTEREST-INCOME-NET>                          739,205                   53,095
<LOAN-LOSSES>                                   71,270                      796
<SECURITIES-GAINS>                                  (2)                 615,555
<EXPENSE-OTHER>                                621,777                  428,521
<INCOME-PRETAX>                                506,593                  428,521
<INCOME-PRE-EXTRAORDINARY>                     506,593                        0
<EXTRAORDINARY>                                      0                  287,508
<CHANGES>                                            0                        0
<NET-INCOME>                                   340,348                        0
<EPS-BASIC>                                     0.51                     0.45
<EPS-DILUTED>                                     0.50                     0.44
<YIELD-ACTUAL>                                    4.53                     4.49
<LOANS-NON>                                    136,516                  109,125
<LOANS-PAST>                                    72,092                   86,650
<LOANS-TROUBLED>                                 1,644                      609
<LOANS-PROBLEM>                                      0                        0
<ALLOWANCE-OPEN>                               395,956                  372,933
<CHARGE-OFFS>                                   85,788                   74,398
<RECOVERIES>                                    23,721                   24,763
<ALLOWANCE-CLOSE>                              405,159                  395,760
<ALLOWANCE-DOMESTIC>                           405,159                  395,760
<ALLOWANCE-FOREIGN>                                  0                        0
<ALLOWANCE-UNALLOCATED>                              0                        0



</TABLE>