<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                 3-MOS
<FISCAL-YEAR-END>                                       DEC-31-1998
<PERIOD-END>                                            MAR-31-1998

<CASH>                                                    1,575,234
<INT-BEARING-DEPOSITS>                                        4,722
<FED-FUNDS-SOLD>                                             37,751
<TRADING-ASSETS>                                              4,809
<INVESTMENTS-HELD-FOR-SALE>                               1,752,150
<INVESTMENTS-CARRYING>                                    2,406,057
<INVESTMENTS-MARKET>                                      2,458,821
<LOANS>                                                  13,826,499
<ALLOWANCE>                                                 218,977
<TOTAL-ASSETS>                                           20,383,670
<DEPOSITS>                                               15,124,447
<SHORT-TERM>                                              2,166,866
<LIABILITIES-OTHER>                                         312,241
<LONG-TERM>                                               1,036,194
<COMMON>                                                    181,394
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                   4,717
<OTHER-SE>                                                1,557,811
<TOTAL-LIABILITIES-AND-EQUITY>                           20,383,670
<INTEREST-LOAN>                                             284,109
<INTEREST-INVEST>                                            63,859
<INTEREST-OTHER>                                              1,378
<INTEREST-TOTAL>                                            349,346
<INTEREST-DEPOSIT>                                          119,840
<INTEREST-EXPENSE>                                          165,592
<INTEREST-INCOME-NET>                                       183,754
<LOAN-LOSSES>                                                15,650
<SECURITIES-GAINS>                                                3
<EXPENSE-OTHER>                                             190,466
<INCOME-PRETAX>                                             106,685
<INCOME-PRE-EXTRAORDINARY>                                   72,916
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                 72,916
<EPS-PRIMARY>                                                  0.50
<EPS-DILUTED>                                                  0.50
<YIELD-ACTUAL>                                                 4.37
<LOANS-NON>                                                  72,549
<LOANS-PAST>                                                 55,104
<LOANS-TROUBLED>                                                262
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            218,861
<CHARGE-OFFS>                                                24,326
<RECOVERIES>                                                  8,792
<ALLOWANCE-CLOSE>                                           218,977
<ALLOWANCE-DOMESTIC>                                        218,428
<ALLOWANCE-FOREIGN>                                             549
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>