<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               SEP-30-1995             SEP-30-1994
<CASH>                                         706,673                 690,992
<INT-BEARING-DEPOSITS>                       8,685,617               8,869,967
<FED-FUNDS-SOLD>                               602,800               1,324,580
<TRADING-ASSETS>                                 7,139                     257
<INVESTMENTS-HELD-FOR-SALE>                  1,807,656               1,866,204
<INVESTMENTS-CARRYING>                         826,212                 944,626
<INVESTMENTS-MARKET>                           823,334                 915,801
<LOANS>                                      9,669,507               8,647,871
<ALLOWANCE>                                    223,430                 225,890
<TOTAL-ASSETS>                              14,762,143              14,450,357
<DEPOSITS>                                  10,871,466              10,986,121
<SHORT-TERM>                                 1,873,127               1,905,049
<LIABILITIES-OTHER>                            378,690                 223,864
<LONG-TERM>                                    380,237                 218,564
<COMMON>                                       188,546                 187,989
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                   1,070,127                 928,770
<TOTAL-LIABILITIES-AND-EQUITY>              14,762,193              14,450,357
<INTEREST-LOAN>                                633,792                 504,830
<INTEREST-INVEST>                              112,938                 142,124
<INTEREST-OTHER>                                30,873                  37,928
<INTEREST-TOTAL>                               777,603                 684,882
<INTEREST-DEPOSIT>                             245,341                 203,420
<INTEREST-EXPENSE>                             321,333                 250,009
<INTEREST-INCOME-NET>                          456,270                 434,873
<LOAN-LOSSES>                                   37,600                  26,982
<SECURITIES-GAINS>                             (3,529)                 (1,755)
<EXPENSE-OTHER>                                409,943                 409,713
<INCOME-PRETAX>                                214,707                 190,031
<INCOME-PRE-EXTRAORDINARY>                     141,381                 126,694
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   141,381                 126,694
<EPS-PRIMARY>                                     3.71                    3.34
<EPS-DILUTED>                                     3.70                    3.34
<YIELD-ACTUAL>                                    4.94                    4.81
<LOANS-NON>                                     60,935                  62,934
<LOANS-PAST>                                    41,715                  32,513
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                184,000                 144,000
<ALLOWANCE-OPEN>                               219,189                 210,958
<CHARGE-OFFS>                                   59,595                  49,127
<RECOVERIES>                                    20,880                  21,390
<ALLOWANCE-CLOSE>                              223,430                 225,890
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>