<TABLE> <S> <C>


<ARTICLE> 9
<RESTATED>
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               MAR-31-1997             MAR-31-1996
<CASH>                                         938,417                 903,783
<INT-BEARING-DEPOSITS>                      12,558,918              12,966,298
<FED-FUNDS-SOLD>                               452,090                 226,188
<TRADING-ASSETS>                                 1,281                   3,771
<INVESTMENTS-HELD-FOR-SALE>                  3,918,514               4,000,411
<INVESTMENTS-CARRYING>                         818,199               1,046,027
<INVESTMENTS-MARKET>                           811,284               1,040,419
<LOANS>                                     14,214,055              13,771,281
<ALLOWANCE>                                    268,870                 273,957
<TOTAL-ASSETS>                              21,982,732              21,964,975
<DEPOSITS>                                  15,815,424              16,071,588
<SHORT-TERM>                                 3,002,574               2,752,676
<LIABILITIES-OTHER>                            496,791                 656,707
<LONG-TERM>                                    850,596                 704,045
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       551,499                 277,879
<OTHER-SE>                                   1,265,848               1,502,080
<TOTAL-LIABILITIES-AND-EQUITY>              21,982,732              21,964,975
<INTEREST-LOAN>                                295,546                 296,616
<INTEREST-INVEST>                               76,941                  72,076
<INTEREST-OTHER>                                16,304                  17,134
<INTEREST-TOTAL>                               388,791                 385,826
<INTEREST-DEPOSIT>                             113,719                 126,987
<INTEREST-EXPENSE>                             169,131                 174,173
<INTEREST-INCOME-NET>                          219,660                 211,653
<LOAN-LOSSES>                                   29,698                  22,230
<SECURITIES-GAINS>                               4,064                   2,373
<EXPENSE-OTHER>                                180,005                 175,118
<INCOME-PRETAX>                                113,424                 101,856
<INCOME-PRE-EXTRAORDINARY>                      71,780                  65,111
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    71,780                  65,111
<EPS-PRIMARY>                                     0.64                    0.58
<EPS-DILUTED>                                     0.64                    0.58
<YIELD-ACTUAL>                                    4.51                    4.42
<LOANS-NON>                                     75,635                  82,445
<LOANS-PAST>                                    75,972                  67,034
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                153,000                 194,000
<ALLOWANCE-OPEN>                               268,868                 274,430
<CHARGE-OFFS>                                   37,075                  29,259
<RECOVERIES>                                     7,379                   6,944
<ALLOWANCE-CLOSE>                              268,870                 273,957
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        



</TABLE>