<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                       DEC-31-1996
<PERIOD-END>                                            SEP-30-1997

<CASH>                                                    1,222,014
<INT-BEARING-DEPOSITS>                                       24,074
<FED-FUNDS-SOLD>                                             93,489
<TRADING-ASSETS>                                              3,277
<INVESTMENTS-HELD-FOR-SALE>                               1,776,912
<INVESTMENTS-CARRYING>                                    2,396,802
<INVESTMENTS-MARKET>                                      2,452,347
<LOANS>                                                  13,533,817
<ALLOWANCE>                                                 213,362
<TOTAL-ASSETS>                                           19,769,850
<DEPOSITS>                                               14,614,019
<SHORT-TERM>                                              2,509,864
<LIABILITIES-OTHER>                                         248,259
<LONG-TERM>                                                 758,579
<COMMON>                                                    181,102
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                   6,738
<OTHER-SE>                                                1,451,289
<TOTAL-LIABILITIES-AND-EQUITY>                           19,769,850
<INTEREST-LOAN>                                             848,925
<INTEREST-INVEST>                                           191,958
<INTEREST-OTHER>                                              5,485
<INTEREST-TOTAL>                                          1,046,368
<INTEREST-DEPOSIT>                                          350,985
<INTEREST-EXPENSE>                                          484,875
<INTEREST-INCOME-NET>                                       561,493
<LOAN-LOSSES>                                                30,540
<SECURITIES-GAINS>                                            1,157
<EXPENSE-OTHER>                                             542,488
<INCOME-PRETAX>                                             333,198
<INCOME-PRE-EXTRAORDINARY>                                  219,790
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                219,790
<EPS-PRIMARY>                                                  1.51
<EPS-DILUTED>                                                  1.51
<YIELD-ACTUAL>                                                 4.47
<LOANS-NON>                                                  74,071
<LOANS-PAST>                                                 95,849
<LOANS-TROUBLED>                                                272
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            213,138
<CHARGE-OFFS>                                                46,559
<RECOVERIES>                                                 16,243
<ALLOWANCE-CLOSE>                                           213,362
<ALLOWANCE-DOMESTIC>                                        212,997
<ALLOWANCE-FOREIGN>                                             365
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>