<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                     879,877,000             571,753,000
<INT-BEARING-DEPOSITS>                      75,347,000              26,856,000
<FED-FUNDS-SOLD>                           180,796,000             142,937,000
<TRADING-ASSETS>                            24,213,000              13,623,000
<INVESTMENTS-HELD-FOR-SALE>              2,379,360,000           2,037,689,000
<INVESTMENTS-CARRYING>                   2,652,718,000           2,459,366,000
<INVESTMENTS-MARKET>                     2,657,043,000           2,448,750,000
<LOANS>                                 18,045,378,000          15,503,711,000
<ALLOWANCE>                                221,998,000             207,096,000
<TOTAL-ASSETS>                          25,629,065,000          21,819,883,000
<DEPOSITS>                              20,289,275,000          17,672,340,000
<SHORT-TERM>                             2,433,201,000           1,426,754,000
<LIABILITIES-OTHER>                        401,051,000             275,202,000
<LONG-TERM>                                373,811,000             557,723,000
<COMMON>                                    93,624,000              45,096,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                               2,038,103,000           1,842,768,000
<TOTAL-LIABILITIES-AND-EQUITY>          25,629,065,000          21,819,883,000
<INTEREST-LOAN>                            394,756,000             337,216,000
<INTEREST-INVEST>                           79,457,000              73,779,000
<INTEREST-OTHER>                            11,503,000               7,002,000
<INTEREST-TOTAL>                           485,716,000             417,997,000
<INTEREST-DEPOSIT>                         201,260,000             175,717,000
<INTEREST-EXPENSE>                         240,310,000             204,909,000
<INTEREST-INCOME-NET>                      245,406,000             213,088,000
<LOAN-LOSSES>                               12,119,000              11,194,000
<SECURITIES-GAINS>                            (69,000)                 464,000
<EXPENSE-OTHER>                            178,637,000             154,213,000
<INCOME-PRETAX>                            131,961,000             112,176,000
<INCOME-PRE-EXTRAORDINARY>                 131,961,000             112,176,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                86,203,000              74,296,000
<EPS-PRIMARY>                                      .58                     .51
<EPS-DILUTED>                                      .57                     .50
<YIELD-ACTUAL>                                    4.34                    4.36
<LOANS-NON>                                117,427,000              86,002,000
<LOANS-PAST>                                17,296,000              30,972,000
<LOANS-TROUBLED>                             1,759,000              11,392,000
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                           210,604,000             190,753,000
<CHARGE-OFFS>                               15,366,000              14,237,000
<RECOVERIES>                                 6,016,000               7,115,000
<ALLOWANCE-CLOSE>                          221,998,000             207,096,000
<ALLOWANCE-DOMESTIC>                       221,998,000             207,096,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                    221,998,000             207,096,000
        

</TABLE>