<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1997
<CASH>                                     965,035,000             672,719,000
<INT-BEARING-DEPOSITS>                      86,355,000              49,187,000
<FED-FUNDS-SOLD>                            27,083,000             134,111,000
<TRADING-ASSETS>                            18,516,000              20,474,000
<INVESTMENTS-HELD-FOR-SALE>              2,781,985,000           2,001,889,000
<INVESTMENTS-CARRYING>                   2,529,887,000           2,526,733,000
<INVESTMENTS-MARKET>                     2,566,735,000           2,537,205,000
<LOANS>                                 18,472,887,000          16,288,641,000
<ALLOWANCE>                                226,451,000             211,813,000
<TOTAL-ASSETS>                          26,515,696,000          22,720,276,000
<DEPOSITS>                              20,197,571,000          18,108,065,000
<SHORT-TERM>                             3,441,987,000           1,921,161,000
<LIABILITIES-OTHER>                        315,183,000             258,864,000
<LONG-TERM>                                366,908,000             489,290,000
<COMMON>                                    93,720,000              91,438,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                               2,100,327,000           1,851,458,000
<TOTAL-LIABILITIES-AND-EQUITY>          26,515,696,000          22,720,276,000
<INTEREST-LOAN>                            797,480,000             693,673,000
<INTEREST-INVEST>                          161,044,000             149,240,000
<INTEREST-OTHER>                            21,580,000              11,955,000
<INTEREST-TOTAL>                           980,104,000             854,868,000
<INTEREST-DEPOSIT>                         410,505,000             358,196,000
<INTEREST-EXPENSE>                         489,246,000             419,975,000
<INTEREST-INCOME-NET>                      490,858,000             434,893,000
<LOAN-LOSSES>                               24,337,000              22,246,000
<SECURITIES-GAINS>                           (122,000)                 516,000
<EXPENSE-OTHER>                            359,172,000             315,112,000
<INCOME-PRETAX>                            265,931,000             227,483,000
<INCOME-PRE-EXTRAORDINARY>                 265,931,000             227,483,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                               175,846,000             151,816,000
<EPS-PRIMARY>                                     1.17                    1.04
<EPS-DILUTED>                                     1.15                    1.02
<YIELD-ACTUAL>                                    4.27                    4.37
<LOANS-NON>                                129,757,000              89,146,000
<LOANS-PAST>                                21,198,000              24,641,000
<LOANS-TROUBLED>                             2,825,000              10,709,000
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                           210,604,000             190,753,000
<CHARGE-OFFS>                               29,574,000              28,596,000
<RECOVERIES>                                12,459,000              13,656,000
<ALLOWANCE-CLOSE>                          226,451,000             211,813,000
<ALLOWANCE-DOMESTIC>                       226,451,000             211,813,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                    226,451,000             211,813,000
        

</TABLE>