<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
FINANCIAL STATEMENTS OF FIRST AMERICAN BANCORP/AL FOR THE THREE MONTHS
ENDED MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         881,638
<INT-BEARING-DEPOSITS>                          18,740
<FED-FUNDS-SOLD>                               102,620
<TRADING-ASSETS>                                65,166
<INVESTMENTS-HELD-FOR-SALE>                  4,437,875
<INVESTMENTS-CARRYING>                       2,356,351
<INVESTMENTS-MARKET>                         2,355,805
<LOANS>                                     11,468,872
<ALLOWANCE>                                    189,648
<TOTAL-ASSETS>                              20,326,467
<DEPOSITS>                                  14,435,264
<SHORT-TERM>                                 2,532,200
<LIABILITIES-OTHER>                            313,390
<LONG-TERM>                                  1,227,744
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       291,729
<OTHER-SE>                                   1,526,140
<TOTAL-LIABILITIES-AND-EQUITY>              20,326,467
<INTEREST-LOAN>                                235,056
<INTEREST-INVEST>                               98,020
<INTEREST-OTHER>                                 3,914
<INTEREST-TOTAL>                               336,990
<INTEREST-DEPOSIT>                             108,797
<INTEREST-EXPENSE>                             151,190
<INTEREST-INCOME-NET>                          185,800
<LOAN-LOSSES>                                    9,234
<SECURITIES-GAINS>                               2,339
<EXPENSE-OTHER>                                189,883
<INCOME-PRETAX>                                103,384
<INCOME-PRE-EXTRAORDINARY>                     103,384
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    66,464
<EPS-PRIMARY>                                      .58
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    4.11
<LOANS-NON>                                     45,748
<LOANS-PAST>                                    39,660
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,477
<ALLOWANCE-OPEN>                               197,681
<CHARGE-OFFS>                                   24,903
<RECOVERIES>                                     7,636
<ALLOWANCE-CLOSE>                              189,648
<ALLOWANCE-DOMESTIC>                           136,159
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         53,489
        

</TABLE>