<TABLE> <S> <C>

<ARTICLE>                                                              9

<S>                                                   <C>
<PERIOD-TYPE>                                         12-MOS
<FISCAL-YEAR-END>                                                DEC-31-1998
<PERIOD-END>                                                     DEC-31-1998
<CASH>                                                               289,230
<INT-BEARING-DEPOSITS>                                                21,963
<FED-FUNDS-SOLD>                                                      17,646
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                        2,057,270
<INVESTMENTS-CARRYING>                                               103,767
<INVESTMENTS-MARKET>                                                 106,432
<LOANS>                                                            5,833,670
<ALLOWANCE>                                                           72,310
<TOTAL-ASSETS>                                                     8,795,560
<DEPOSITS>                                                         6,068,649
<SHORT-TERM>                                                       1,299,337
<LIABILITIES-OTHER>                                                  137,085
<LONG-TERM>                                                          614,284
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                             205,237
<OTHER-SE>                                                           470,968
<TOTAL-LIABILITIES-AND-EQUITY>                                     8,795,560
<INTEREST-LOAN>                                                      492,020
<INTEREST-INVEST>                                                    128,032
<INTEREST-OTHER>                                                       1,666
<INTEREST-TOTAL>                                                     621,718
<INTEREST-DEPOSIT>                                                   217,216
<INTEREST-EXPENSE>                                                   303,627
<INTEREST-INCOME-NET>                                                318,091
<LOAN-LOSSES>                                                         15,644
<SECURITIES-GAINS>                                                       686
<EXPENSE-OTHER>                                                      105,064
<INCOME-PRETAX>                                                      152,571
<INCOME-PRE-EXTRAORDINARY>                                           152,571
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                         100,314
<EPS-BASIC>                                                             3.57
<EPS-DILUTED>                                                           3.50
<YIELD-ACTUAL>                                                          4.37
<LOANS-NON>                                                           32,293
<LOANS-PAST>                                                           9,095
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                       50,000
<ALLOWANCE-OPEN>                                                      68,576
<CHARGE-OFFS>                                                         17,358
<RECOVERIES>                                                           3,380
<ALLOWANCE-CLOSE>                                                     72,310
<ALLOWANCE-DOMESTIC>                                                  72,310
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                8,263


</TABLE>