<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                12-MOS
<FISCAL-YEAR-END>                                       DEC-31-1995
<PERIOD-END>                                            DEC-31-1995

<CASH>                                                    1,310,746
<INT-BEARING-DEPOSITS>                                        5,467
<FED-FUNDS-SOLD>                                            109,945
<TRADING-ASSETS>                                             10,029
<INVESTMENTS-HELD-FOR-SALE>                               2,047,848
<INVESTMENTS-CARRYING>                                    2,427,030
<INVESTMENTS-MARKET>                                      2,492,346
<LOANS>                                                  12,632,513
<ALLOWANCE>                                                 195,283
<TOTAL-ASSETS>                                           19,168,300
<DEPOSITS>                                               14,311,646
<SHORT-TERM>                                              2,303,159
<LIABILITIES-OTHER>                                         294,654
<LONG-TERM>                                                 734,021
<COMMON>                                                     94,266
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                  15,344
<OTHER-SE>                                                1,415,210
<TOTAL-LIABILITIES-AND-EQUITY>                           19,168,300
<INTEREST-LOAN>                                           1,081,685
<INTEREST-INVEST>                                           253,794
<INTEREST-OTHER>                                             12,307
<INTEREST-TOTAL>                                          1,347,786
<INTEREST-DEPOSIT>                                          444,706
<INTEREST-EXPENSE>                                          621,839
<INTEREST-INCOME-NET>                                       725,947
<LOAN-LOSSES>                                                36,756
<SECURITIES-GAINS>                                           (5,730)
<EXPENSE-OTHER>                                             734,122
<INCOME-PRETAX>                                             347,266
<INCOME-PRE-EXTRAORDINARY>                                  228,913
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                228,913
<EPS-PRIMARY>                                                  1.50
<EPS-DILUTED>                                                  1.48
<YIELD-ACTUAL>                                                 4.55
<LOANS-NON>                                                  89,385
<LOANS-PAST>                                                 49,410
<LOANS-TROUBLED>                                              1,376
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            190,552
<CHARGE-OFFS>                                                52,863
<RECOVERIES>                                                 19,973
<ALLOWANCE-CLOSE>                                           195,283
<ALLOWANCE-DOMESTIC>                                        194,566
<ALLOWANCE-FOREIGN>                                             717
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>