<TABLE> <S> <C>

<ARTICLE>            9

       
<S>             <C>
<PERIOD-TYPE>   3-MOS

<FISCAL-YEAR-END>                                           DEC-31-1999
<PERIOD-END>                                                MAR-31-1999
<CASH>                                                          242,368
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                  8,819
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                   2,422,566
<INVESTMENTS-CARRYING>                                          642,314
<INVESTMENTS-MARKET>                                            638,772
<LOANS>                                                       3,424,314
<ALLOWANCE>                                                      54,504
<TOTAL-ASSETS>                                                7,046,067
<DEPOSITS>                                                    4,931,967
<SHORT-TERM>                                                  1,292,644
<LIABILITIES-OTHER>                                             194,287
<LONG-TERM>                                                     200,000
<COMMON>                                                         72,246
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                      354,923
<TOTAL-LIABILITIES-AND-EQUITY>                                7,046,067
<INTEREST-LOAN>                                                  68,862
<INTEREST-INVEST>                                                41,956
<INTEREST-OTHER>                                                    324
<INTEREST-TOTAL>                                                111,142
<INTEREST-DEPOSIT>                                               31,984
<INTEREST-EXPENSE>                                               48,595
<INTEREST-INCOME-NET>                                            62,547
<LOAN-LOSSES>                                                     2,500
<SECURITIES-GAINS>                                                  914
<EXPENSE-OTHER>                                                  39,697
<INCOME-PRETAX>                                                  37,847
<INCOME-PRE-EXTRAORDINARY>                                       37,847
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                     24,601
<EPS-PRIMARY>                                                      0.62
<EPS-DILUTED>                                                      0.61
<YIELD-ACTUAL>                                                     4.16
<LOANS-NON>                                                      17,326
<LOANS-PAST>                                                     21,893
<LOANS-TROUBLED>                                                  1,865
<LOANS-PROBLEM>                                                  41,084
<ALLOWANCE-OPEN>                                                 53,499
<CHARGE-OFFS>                                                     2,833
<RECOVERIES>                                                      1,368
<ALLOWANCE-CLOSE>                                                54,504
<ALLOWANCE-DOMESTIC>                                             54,504
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                           1,709
        


</TABLE>