<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE MARCH 31, 1999 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-31-1999
<PERIOD-END>                                          MAR-31-1999
<CASH>                                                    1,000,977
<INT-BEARING-DEPOSITS>                                       27,407
<FED-FUNDS-SOLD>                                             11,701
<TRADING-ASSETS>                                             10,217
<INVESTMENTS-HELD-FOR-SALE>                               3,860,136
<INVESTMENTS-CARRYING>                                    6,583,209
<INVESTMENTS-MARKET>                                              0
<LOANS>                                                  21,153,707
<ALLOWANCE>                                                 328,302
<TOTAL-ASSETS>                                           33,477,377
<DEPOSITS>                                               23,220,148
<SHORT-TERM>                                              3,281,005
<LIABILITIES-OTHER>                                         529,791
<LONG-TERM>                                               3,734,392
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                    142,074
<OTHER-SE>                                                2,569,967
<TOTAL-LIABILITIES-AND-EQUITY>                           33,477,377
<INTEREST-LOAN>                                             403,667
<INTEREST-INVEST>                                           156,183
<INTEREST-OTHER>                                                595
<INTEREST-TOTAL>                                            560,445
<INTEREST-DEPOSIT>                                          162,977
<INTEREST-EXPENSE>                                          255,101
<INTEREST-INCOME-NET>                                       305,344
<LOAN-LOSSES>                                                16,500
<SECURITIES-GAINS>                                              217
<EXPENSE-OTHER>                                             205,437
<INCOME-PRETAX>                                             181,564
<INCOME-PRE-EXTRAORDINARY>                                  118,741
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                118,741
<EPS-PRIMARY>                                                  0.68
<EPS-DILUTED>                                                  0.68
<YIELD-ACTUAL>                                                 3.98
<LOANS-NON>                                                  90,065
<LOANS-PAST>                                                 38,971
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                              63,587
<ALLOWANCE-OPEN>                                            322,814
<CHARGE-OFFS>                                                19,959
<RECOVERIES>                                                  6,807
<ALLOWANCE-CLOSE>                                           328,302
<ALLOWANCE-DOMESTIC>                                        164,971
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                     163,331
        


</TABLE>