<TABLE> <S> <C>

<ARTICLE>                                           9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  balance  sheets and  statements of income found on page 3 and 4 of
the Company's unaudited financial statements for the nine months ended September
30, 1999.
</LEGEND>
<MULTIPLIER>                                                 1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-START>                                      JAN-01-1999
<PERIOD-END>                                        SEP-30-1999
<CASH>                                                     468,584
<INT-BEARING-DEPOSITS>                                          53
<FED-FUNDS-SOLD>                                                 0
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                             14,841,565
<INVESTMENTS-CARRYING>                                   2,479,730
<INVESTMENTS-MARKET>                                     2,488,610
<LOANS>                                                 33,287,736 <F1>
<ALLOWANCE>                                                570,783
<TOTAL-ASSETS>                                          55,746,139
<DEPOSITS>                                              23,696,055
<SHORT-TERM>                                            15,600,998
<LIABILITIES-OTHER>                                        882,003
<LONG-TERM>                                             13,332,382
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                         1
<OTHER-SE>                                               1,734,700
<TOTAL-LIABILITIES-AND-EQUITY>                          55,746,139
<INTEREST-LOAN>                                          1,817,816
<INTEREST-INVEST>                                          896,862
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                         2,714,678
<INTEREST-DEPOSIT>                                         667,387
<INTEREST-EXPENSE>                                       1,822,574
<INTEREST-INCOME-NET>                                      892,104
<LOAN-LOSSES>                                               10,000
<SECURITIES-GAINS>                                           1,284
<EXPENSE-OTHER>                                            693,424
<INCOME-PRETAX>                                            505,864
<INCOME-PRE-EXTRAORDINARY>                                 246,840
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                               246,840 <F2>
<EPS-BASIC>                                                   0.00
<EPS-DILUTED>                                                 0.00
<YIELD-ACTUAL>                                                6.94
<LOANS-NON>                                                170,970
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                            26,933
<LOANS-PROBLEM>                                             86,788
<ALLOWANCE-OPEN>                                           588,533
<CHARGE-OFFS>                                               30,919
<RECOVERIES>                                                 3,839
<ALLOWANCE-CLOSE>                                          570,783
<ALLOWANCE-DOMESTIC>                                        36,962
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                    533,821
<FN>
<F1> Loans includes loans held for sale of $819,383 and allowance for loan
     losses of $570,783.
<F2> Net income available to common stockholders: $246,840.
</FN>


</TABLE>