<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED STATEMENTS OF FINANCIAL
CONDITION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               DEC-31-1996             DEC-31-1996
<CASH>                                         129,333                 129,333
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    602,223                 602,223
<INVESTMENTS-CARRYING>                       2,802,334               2,802,334
<INVESTMENTS-MARKET>                         2,808,131               2,808,131
<LOANS>                                     11,438,836              11,438,836
<ALLOWANCE>                                     45,700                  45,700
<TOTAL-ASSETS>                              15,650,791              15,650,791
<DEPOSITS>                                  10,971,018              10,971,018
<SHORT-TERM>                                 1,366,253               1,366,253
<LIABILITIES-OTHER>                            405,142                 405,142
<LONG-TERM>                                  1,951,605               1,951,605
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       250,552                 250,552
<OTHER-SE>                                     760,221                 760,221
<TOTAL-LIABILITIES-AND-EQUITY>              15,650,791              15,650,791
<INTEREST-LOAN>                                215,014                 787,813
<INTEREST-INVEST>                               63,245                 225,930
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               278,259               1,043,743
<INTEREST-DEPOSIT>                             126,010                 476,087
<INTEREST-EXPENSE>                             174,561                 655,237
<INTEREST-INCOME-NET>                          103,698                 388,506
<LOAN-LOSSES>                                      808                   2,992
<SECURITIES-GAINS>                               5,311                  19,607
<EXPENSE-OTHER>                                 66,467                 313,503
<INCOME-PRETAX>                                 58,423                 152,582
<INCOME-PRE-EXTRAORDINARY>                      37,323                  97,182
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                (43,032)
<NET-INCOME>                                    37,323                  54,150
<EPS-PRIMARY>                                     1.17                    1.69
<EPS-DILUTED>                                     1.17                    1.69
<YIELD-ACTUAL>                                    7.60                    7.56
<LOANS-NON>                                     38,968                  38,968
<LOANS-PAST>                                    36,342                  36,342
<LOANS-TROUBLED>                                 7,119                   7,119
<LOANS-PROBLEM>                                 12,595                  12,595
<ALLOWANCE-OPEN>                                48,000                  35,400
<CHARGE-OFFS>                                    3,620                   8,019
<RECOVERIES>                                       512                   2,564
<ALLOWANCE-CLOSE>                               45,700                  45,700
<ALLOWANCE-DOMESTIC>                            45,700                  45,700
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         44,069                  44,069
        

</TABLE>