<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE March 31, 2000 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-31-2000
<PERIOD-END>                                                     Mar-31-2000
<CASH>                                                            1,144,686
<INT-BEARING-DEPOSITS>                                               53,879
<FED-FUNDS-SOLD>                                                      6,400
<TRADING-ASSETS>                                                     22,463
<INVESTMENTS-HELD-FOR-SALE>                                       6,185,191
<INVESTMENTS-CARRYING>                                            5,345,079
<INVESTMENTS-MARKET>                                              5,112,249
<LOANS>                                                          24,067,599
<ALLOWANCE>                                                         332,755
<TOTAL-ASSETS>                                                   38,064,491
<DEPOSITS>                                                       25,465,191
<SHORT-TERM>                                                      5,223,797
<LIABILITIES-OTHER>                                                 546,053
<LONG-TERM>                                                       3,877,075
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                            141,895
<OTHER-SE>                                                        2,810,480
<TOTAL-LIABILITIES-AND-EQUITY>                                   38,064,491
<INTEREST-LOAN>                                                     469,122
<INTEREST-INVEST>                                                   180,735
<INTEREST-OTHER>                                                        691
<INTEREST-TOTAL>                                                    650,548
<INTEREST-DEPOSIT>                                                  188,732
<INTEREST-EXPENSE>                                                  314,641
<INTEREST-INCOME-NET>                                               335,907
<LOAN-LOSSES>                                                        20,000
<SECURITIES-GAINS>                                                       85
<EXPENSE-OTHER>                                                     228,841
<INCOME-PRETAX>                                                     188,799
<INCOME-PRE-EXTRAORDINARY>                                          124,913
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                        124,913
<EPS-BASIC>                                                            0.72
<EPS-DILUTED>                                                          0.72
<YIELD-ACTUAL>                                                         3.92
<LOANS-NON>                                                         108,168
<LOANS-PAST>                                                         44,975
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                      11,108
<ALLOWANCE-OPEN>                                                    328,828
<CHARGE-OFFS>                                                        27,384
<RECOVERIES>                                                          6,954
<ALLOWANCE-CLOSE>                                                   332,755
<ALLOWANCE-DOMESTIC>                                                210,599
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                             122,156


</TABLE>