<TABLE> <S> <C>

                                             
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE SEPTEMBER 30, 1998 10-Q FINANCIAL STATEMENTS AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                                    <C>
<PERIOD-TYPE>                          9-MOS
<FISCAL-YEAR-END>                            DEC-31-1998
<PERIOD-END>                                 SEP-30-1998
<CASH>                                         1,088,352
<INT-BEARING-DEPOSITS>                            19,763
<FED-FUNDS-SOLD>                                   1,000
<TRADING-ASSETS>                                  15,962
<INVESTMENTS-HELD-FOR-SALE>                    4,432,791
<INVESTMENTS-CARRYING>                         5,358,215
<INVESTMENTS-MARKET>                           5,412,020
<LOANS>                                       20,300,663
<ALLOWANCE>                                      314,271
<TOTAL-ASSETS>                                31,852,214
<DEPOSITS>                                    22,146,853
<SHORT-TERM>                                   4,269,565
<LIABILITIES-OTHER>                              405,996
<LONG-TERM>                                    2,401,826
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                         142,118
<OTHER-SE>                                     2,485,856
<TOTAL-LIABILITIES-AND-EQUITY>                31,852,214
<INTEREST-LOAN>                                1,173,490
<INTEREST-INVEST>                                444,383
<INTEREST-OTHER>                                   1,889
<INTEREST-TOTAL>                               1,619,762
<INTEREST-DEPOSIT>                               503,855
<INTEREST-EXPENSE>                               743,731
<INTEREST-INCOME-NET>                            876,031
<LOAN-LOSSES>                                     51,000
<SECURITIES-GAINS>                                 4,440
<EXPENSE-OTHER>                                  577,738
<INCOME-PRETAX>                                  507,405
<INCOME-PRE-EXTRAORDINARY>                       348,755
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     348,755
<EPS-PRIMARY>                                       1.99
<EPS-DILUTED>                                       1.96
<YIELD-ACTUAL>                                      4.10
<LOANS-NON>                                       79,812
<LOANS-PAST>                                      36,144
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                   58,989
<ALLOWANCE-OPEN>                                 296,494
<CHARGE-OFFS>                                     54,438
<RECOVERIES>                                      21,215
<ALLOWANCE-CLOSE>                                314,271
<ALLOWANCE-DOMESTIC>                             132,253
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                          182,018
        


</TABLE>