<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
THE MARCH 31, 1997 10-Q FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                                    <C>
<PERIOD-TYPE>                          3-MOS
<FISCAL-YEAR-END>                            DEC-31-1997 
<PERIOD-END>                                 MAR-31-1997 
<CASH>                                            968930
<INT-BEARING-DEPOSITS>                             13457
<FED-FUNDS-SOLD>                                  188800
<TRADING-ASSETS>                                   33806
<INVESTMENTS-HELD-FOR-SALE>                      3079597
<INVESTMENTS-CARRYING>                           3085774
<INVESTMENTS-MARKET>                             3042849
<LOANS>                                         15495945
<ALLOWANCE>                                       277011
<TOTAL-ASSETS>                                  23439345
<DEPOSITS>                                      18831534
<SHORT-TERM>                                     1374190
<LIABILITIES-OTHER>                               385564
<LONG-TERM>                                       830257
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          118141
<OTHER-SE>                                       1899659
<TOTAL-LIABILITIES-AND-EQUITY>                  23439345
<INTEREST-LOAN>                                   309338
<INTEREST-INVEST>                                  95173
<INTEREST-OTHER>                                    1051
<INTEREST-TOTAL>                                  405562
<INTEREST-DEPOSIT>                                132795
<INTEREST-EXPENSE>                                165505
<INTEREST-INCOME-NET>                             240057
<LOAN-LOSSES>                                      14500
<SECURITIES-GAINS>                                  1140
<EXPENSE-OTHER>                                   189252
<INCOME-PRETAX>                                   101741
<INCOME-PRE-EXTRAORDINARY>                         66485
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       66485
<EPS-PRIMARY>                                       0.68
<EPS-DILUTED>                                       0.68
<YIELD-ACTUAL>                                      4.59
<LOANS-NON>                                       117725
<LOANS-PAST>                                       58905
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                     7502
<ALLOWANCE-OPEN>                                  276438
<CHARGE-OFFS>                                      19943
<RECOVERIES>                                        6016
<ALLOWANCE-CLOSE>                                 277011
<ALLOWANCE-DOMESTIC>                              142890
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                           134121
        



</TABLE>