<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       
 
<S>                                  <C>
 
<PERIOD-TYPE>                                                  3-MOS
<FISCAL-YEAR-END>                                        DEC-31-1999
<PERIOD-END>                                             MAR-31-1999
 
<CASH>                                                    2,069,888
<INT-BEARING-DEPOSITS>                                       26,122
<FED-FUNDS-SOLD>                                             60,098
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                               5,720,607
<INVESTMENTS-CARRYING>                                      219,007
<INVESTMENTS-MARKET>                                        229,735
<LOANS>                                                  26,327,309
<ALLOWANCE>                                                 401,943
<TOTAL-ASSETS>                                           37,951,850
<DEPOSITS>                                               27,867,761
<SHORT-TERM>                                              3,913,666
<LIABILITIES-OTHER>                                         804,570
<LONG-TERM>                                               1,687,599
<COMMON>                                                      6,641
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<OTHER-SE>                                                3,671,613
<TOTAL-LIABILITIES-AND-EQUITY>                           37,951,850
<INTEREST-LOAN>                                             528,102
<INTEREST-INVEST>                                            92,918
<INTEREST-OTHER>                                             28,454
<INTEREST-TOTAL>                                            649,474
<INTEREST-DEPOSIT>                                          210,579
<INTEREST-EXPENSE>                                          283,632
<INTEREST-INCOME-NET>                                       365,842
<LOAN-LOSSES>                                                35,910
<SECURITIES-GAINS>                                               (2)
<EXPENSE-OTHER>                                             300,169
<INCOME-PRETAX>                                             252,858
<INCOME-PRE-EXTRAORDINARY>                                  252,858
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                169,587
<EPS-PRIMARY>                                                  0.26
<EPS-DILUTED>                                                  0.25
<YIELD-ACTUAL>                                                 4.49
<LOANS-NON>                                                 120,323
<LOANS-PAST>                                                 70,928
<LOANS-TROUBLED>                                              1,455
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            395,956
<CHARGE-OFFS>                                                41,981
<RECOVERIES>                                                 12,058
<ALLOWANCE-CLOSE>                                           401,943
<ALLOWANCE-DOMESTIC>                                        401,943
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0
 
        

</TABLE>