<TABLE> <S> <C>

<ARTICLE>                                                                9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  balance  sheets and statements of income found on pages 3 and 4 of
the Company's  audited financial statements for the three months ended March 31,
2000.
</LEGEND>
<MULTIPLIER>                                                 1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       3-MOS
<FISCAL-YEAR-END>                                   DEC-31-2000
<PERIOD-START>                                      JAN-01-2000
<PERIOD-END>                                        MAR-31-2000
<CASH>                                                     540,095
<INT-BEARING-DEPOSITS>                                          34
<FED-FUNDS-SOLD>                                            25,000
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                             14,383,737
<INVESTMENTS-CARRYING>                                   2,215,509
<INVESTMENTS-MARKET>                                     2,206,948
<LOANS>                                                 36,831,009 <F1>
<ALLOWANCE>                                                543,188
<TOTAL-ASSETS>                                          59,031,824
<DEPOSITS>                                              23,047,919
<SHORT-TERM>                                            19,822,407
<LIABILITIES-OTHER>                                        845,301
<LONG-TERM>                                             12,929,074
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                         1
<OTHER-SE>                                               1,887,122
<TOTAL-LIABILITIES-AND-EQUITY>                          59,031,824
<INTEREST-LOAN>                                            659,511
<INTEREST-INVEST>                                          307,143
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                           966,654
<INTEREST-DEPOSIT>                                         218,792
<INTEREST-EXPENSE>                                         679,551
<INTEREST-INCOME-NET>                                      287,103
<LOAN-LOSSES>                                                    0
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                            225,332
<INCOME-PRETAX>                                            171,952
<INCOME-PRE-EXTRAORDINARY>                                 248,300
<EXTRAORDINARY>                                              1,206
<CHANGES>                                                        0
<NET-INCOME>                                               249,506
<EPS-BASIC>                                                   0.00
<EPS-DILUTED>                                                 0.00
<YIELD-ACTUAL>                                                7.08
<LOANS-NON>                                                135,308
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                             1,389
<LOANS-PROBLEM>                                             88,506
<ALLOWANCE-OPEN>                                           554,893
<CHARGE-OFFS>                                               12,470
<RECOVERIES>                                                   765
<ALLOWANCE-CLOSE>                                          543,188
<ALLOWANCE-DOMESTIC>                                        28,934
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                    514,254
<FN>
<F1> Loans include loans held for sale of $687,329 and allowance for loan
     losses of $543,188.
</FN>


</TABLE>