<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S QUARTERLY FINANCIAL STATEMENTS AS OF AND FOR THE THREE MONTH PERIOD
ENDED MARCH 31, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         606,010
<INT-BEARING-DEPOSITS>                         520,686
<FED-FUNDS-SOLD>                                32,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,254,191
<INVESTMENTS-CARRYING>                         283,660
<INVESTMENTS-MARKET>                           283,485
<LOANS>                                     11,531,409
<ALLOWANCE>                                    150,371
<TOTAL-ASSETS>                              15,373,634
<DEPOSITS>                                  11,558,550
<SHORT-TERM>                                   892,113
<LIABILITIES-OTHER>                            502,354
<LONG-TERM>                                    727,664
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        59,005
<OTHER-SE>                                   1,632,129
<TOTAL-LIABILITIES-AND-EQUITY>              15,373,634
<INTEREST-LOAN>                                232,571
<INTEREST-INVEST>                               23,380
<INTEREST-OTHER>                                 4,156
<INTEREST-TOTAL>                               260,107
<INTEREST-DEPOSIT>                              81,976
<INTEREST-EXPENSE>                             102,260
<INTEREST-INCOME-NET>                          157,847
<LOAN-LOSSES>                                    9,625
<SECURITIES-GAINS>                                (12)
<EXPENSE-OTHER>                                120,536
<INCOME-PRETAX>                                 70,395
<INCOME-PRE-EXTRAORDINARY>                      40,256
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    40,256
<EPS-PRIMARY>                                      .70
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    7.91
<LOANS-NON>                                     54,763
<LOANS-PAST>                                    36,423
<LOANS-TROUBLED>                                31,414
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               149,585
<CHARGE-OFFS>                                   10,849
<RECOVERIES>                                     2,010
<ALLOWANCE-CLOSE>                              150,371
<ALLOWANCE-DOMESTIC>                            97,035
<ALLOWANCE-FOREIGN>                              1,380
<ALLOWANCE-UNALLOCATED>                         51,956
        

</TABLE>