<TABLE> <S> <C>

<ARTICLE>                                                         9

<S>                                                 <C>
<PERIOD-TYPE>                                       12-MOS
<FISCAL-YEAR-END>                                             DEC-31-1999
<PERIOD-END>                                                  DEC-31-1999
<CASH>                                                            285,468
<INT-BEARING-DEPOSITS>                                             12,302
<FED-FUNDS-SOLD>                                                  115,686
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                     2,210,698
<INVESTMENTS-CARRYING>                                             54,167
<INVESTMENTS-MARKET>                                               54,616
<LOANS>                                                         5,979,383
<ALLOWANCE>                                                        73,518
<TOTAL-ASSETS>                                                  9,123,248
<DEPOSITS>                                                      6,167,835
<SHORT-TERM>                                                    1,400,247
<LIABILITIES-OTHER>                                               104,541
<LONG-TERM>                                                       760,900
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                          192,536
<OTHER-SE>                                                        497,189
<TOTAL-LIABILITIES-AND-EQUITY>                                  9,123,248
<INTEREST-LOAN>                                                   510,210
<INTEREST-INVEST>                                                 133,335
<INTEREST-OTHER>                                                    3,014
<INTEREST-TOTAL>                                                  646,559
<INTEREST-DEPOSIT>                                                202,810
<INTEREST-EXPENSE>                                                307,093
<INTEREST-INCOME-NET>                                             339,466
<LOAN-LOSSES>                                                      32,977
<SECURITIES-GAINS>                                                   (533)
<EXPENSE-OTHER>                                                   104,502
<INCOME-PRETAX>                                                   157,119
<INCOME-PRE-EXTRAORDINARY>                                        157,119
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                      104,028
<EPS-BASIC>                                                          3.66
<EPS-DILUTED>                                                        3.62
<YIELD-ACTUAL>                                                       4.29
<LOANS-NON>                                                        27,824
<LOANS-PAST>                                                        7,391
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                    25,000
<ALLOWANCE-OPEN>                                                   72,310
<CHARGE-OFFS>                                                      34,679
<RECOVERIES>                                                        2,861
<ALLOWANCE-CLOSE>                                                  73,518
<ALLOWANCE-DOMESTIC>                                               73,518
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                            18,538


</TABLE>