<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
THE JUNE 30, 1997 10-Q FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                                    <C>
<PERIOD-TYPE>                          6-MOS
<FISCAL-YEAR-END>                            DEC-31-1997 
<PERIOD-END>                                 JUN-30-1997 
<CASH>                                           1071612
<INT-BEARING-DEPOSITS>                              6879
<FED-FUNDS-SOLD>                                  127900
<TRADING-ASSETS>                                   43407
<INVESTMENTS-HELD-FOR-SALE>                      3244827
<INVESTMENTS-CARRYING>                           3056667
<INVESTMENTS-MARKET>                             3045653
<LOANS>                                         15686858
<ALLOWANCE>                                       280913
<TOTAL-ASSETS>                                  23798120
<DEPOSITS>                                      18675111
<SHORT-TERM>                                     1795725
<LIABILITIES-OTHER>                               330015
<LONG-TERM>                                       905557
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          118467
<OTHER-SE>                                       1973245
<TOTAL-LIABILITIES-AND-EQUITY>                  23798120
<INTEREST-LOAN>                                   629188
<INTEREST-INVEST>                                 194729
<INTEREST-OTHER>                                    1917
<INTEREST-TOTAL>                                  825834
<INTEREST-DEPOSIT>                                266787
<INTEREST-EXPENSE>                                338249
<INTEREST-INCOME-NET>                             487585
<LOAN-LOSSES>                                      29000
<SECURITIES-GAINS>                                  2217
<EXPENSE-OTHER>                                   353052
<INCOME-PRETAX>                                   238372
<INCOME-PRE-EXTRAORDINARY>                        155360
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      155360
<EPS-PRIMARY>                                       1.58
<EPS-DILUTED>                                       1.58
<YIELD-ACTUAL>                                      4.59
<LOANS-NON>                                       101226
<LOANS-PAST>                                       52524
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                    18745
<ALLOWANCE-OPEN>                                  276438
<CHARGE-OFFS>                                      40169
<RECOVERIES>                                       15644
<ALLOWANCE-CLOSE>                                 280913
<ALLOWANCE-DOMESTIC>                              134213
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                           146700
        




</TABLE>