<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               SEP-30-1997             SEP-30-1996
<CASH>                                         885,956               1,009,625
<INT-BEARING-DEPOSITS>                      12,789,883              13,394,442
<FED-FUNDS-SOLD>                             1,139,023                 718,260
<TRADING-ASSETS>                                 4,909                   5,191
<INVESTMENTS-HELD-FOR-SALE>                  3,333,777               4,066,165
<INVESTMENTS-CARRYING>                         662,517               1,070,708
<INVESTMENTS-MARKET>                           666,339               1,064,475
<LOANS>                                     14,678,573              13,570,945
<ALLOWANCE>                                    278,331                 272,903
<TOTAL-ASSETS>                              23,188,437              22,415,498
<DEPOSITS>                                  16,109,680              16,612,113
<SHORT-TERM>                                 3,755,235               2,853,651
<LIABILITIES-OTHER>                            584,570                 493,725
<LONG-TERM>                                    799,375                 668,458
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       550,940                 274,926
<OTHER-SE>                                   1,388,637               1,512,625
<TOTAL-LIABILITIES-AND-EQUITY>              23,188,437              22,415,498
<INTEREST-LOAN>                                905,922                 884,097
<INTEREST-INVEST>                              210,497                 224,896
<INTEREST-OTHER>                                49,723                  58,601
<INTEREST-TOTAL>                             1,166,142               1,167,594
<INTEREST-DEPOSIT>                             352,559                 371,236
<INTEREST-EXPENSE>                             511,035                 521,752
<INTEREST-INCOME-NET>                          655,107                 645,842
<LOAN-LOSSES>                                   84,797                  71,760
<SECURITIES-GAINS>                               4,097                   2,739
<EXPENSE-OTHER>                                532,246                 567,886
<INCOME-PRETAX>                                348,656                 265,654
<INCOME-PRE-EXTRAORDINARY>                     227,113                 180,105
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   227,113                 180,105
<EPS-PRIMARY>                                     2.03                    1.61
<EPS-DILUTED>                                     2.03                    1.61
<YIELD-ACTUAL>                                    4.51                    4.44
<LOANS-NON>                                     61,407                  78,732
<LOANS-PAST>                                    62,960                  63,744
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                103,000                 169,000
<ALLOWANCE-OPEN>                               268,868                 274,430
<CHARGE-OFFS>                                   98,327                  96,214
<RECOVERIES>                                    22,993                  23,815
<ALLOWANCE-CLOSE>                              278,331                 272,903
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>