<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               JUN-30-1997             JUN-30-1996
<CASH>                                         974,362                 949,496
<INT-BEARING-DEPOSITS>                      12,463,142              12,719,380
<FED-FUNDS-SOLD>                             1,258,806                 804,279
<TRADING-ASSETS>                                11,706                   1,555
<INVESTMENTS-HELD-FOR-SALE>                  3,518,420               4,028,278
<INVESTMENTS-CARRYING>                         715,516               1,063,843
<INVESTMENTS-MARKET>                           715,316               1,055,578
<LOANS>                                     14,258,715              13,705,283
<ALLOWANCE>                                    279,190                 272,896
<TOTAL-ASSETS>                              22,809,803              22,662,979
<DEPOSITS>                                  15,846,459              15,853,950
<SHORT-TERM>                                 3,841,043               3,988,801
<LIABILITIES-OTHER>                            403,161                 346,385
<LONG-TERM>                                    819,071                 696,697
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       553,191                 277,008
<OTHER-SE>                                   1,346,878               1,500,138
<TOTAL-LIABILITIES-AND-EQUITY>              22,809,803              22,662,979
<INTEREST-LOAN>                                597,537                 593,876
<INTEREST-INVEST>                              147,698                 147,751
<INTEREST-OTHER>                                29,170                  37,279
<INTEREST-TOTAL>                               774,405                 778,726
<INTEREST-DEPOSIT>                             231,484                 248,435
<INTEREST-EXPENSE>                             336,436                 348,450
<INTEREST-INCOME-NET>                          437,969                 430,276
<LOAN-LOSSES>                                   65,698                  46,660
<SECURITIES-GAINS>                               3,973                   2,643
<EXPENSE-OTHER>                                359,015                 355,847
<INCOME-PRETAX>                                227,739                 206,910
<INCOME-PRE-EXTRAORDINARY>                     147,570                 131,987
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   147,570                 131,987
<EPS-PRIMARY>                                        1                       1
<EPS-DILUTED>                                        1                       1
<YIELD-ACTUAL>                                       5                       4
<LOANS-NON>                                     57,813                  88,156
<LOANS-PAST>                                    58,713                  57,996
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                123,000                 191,000
<ALLOWANCE-OPEN>                               268,868                 274,430
<CHARGE-OFFS>                                   70,416                  62,418
<RECOVERIES>                                    15,040                  15,112
<ALLOWANCE-CLOSE>                              279,190                 272,896
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>