<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                       DEC-31-1995
<PERIOD-END>                                            SEP-30-1996

<CASH>                                                    1,402,393
<INT-BEARING-DEPOSITS>                                        6,206
<FED-FUNDS-SOLD>                                            199,399
<TRADING-ASSETS>                                              6,757
<INVESTMENTS-HELD-FOR-SALE>                               2,018,230
<INVESTMENTS-CARRYING>                                    2,262,745
<INVESTMENTS-MARKET>                                      2,282,608
<LOANS>                                                  13,215,663
<ALLOWANCE>                                                 214,510
<TOTAL-ASSETS>                                           19,914,604
<DEPOSITS>                                               14,824,884
<SHORT-TERM>                                              2,549,526
<LIABILITIES-OTHER>                                         293,658
<LONG-TERM>                                                 601,720
<COMMON>                                                     94,226
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                  11,424
<OTHER-SE>                                                1,539,126
<TOTAL-LIABILITIES-AND-EQUITY>                           19,914,604
<INTEREST-LOAN>                                             283,309
<INTEREST-INVEST>                                            65,828
<INTEREST-OTHER>                                              1,956
<INTEREST-TOTAL>                                            351,093
<INTEREST-DEPOSIT>                                          118,222
<INTEREST-EXPENSE>                                          161,152
<INTEREST-INCOME-NET>                                       189,941
<LOAN-LOSSES>                                                 8,908
<SECURITIES-GAINS>                                               22
<EXPENSE-OTHER>                                             187,012
<INCOME-PRETAX>                                             107,372
<INCOME-PRE-EXTRAORDINARY>                                   69,272
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                 69,272
<EPS-PRIMARY>                                                  0.93
<EPS-DILUTED>                                                  0.93
<YIELD-ACTUAL>                                                 4.47
<LOANS-NON>                                                  82,196
<LOANS-PAST>                                                 82,726
<LOANS-TROUBLED>                                              1,362
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            195,283
<CHARGE-OFFS>                                                43,229
<RECOVERIES>                                                 19,527
<ALLOWANCE-CLOSE>                                           214,510
<ALLOWANCE-DOMESTIC>                                        213,918
<ALLOWANCE-FOREIGN>                                             592
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>