<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                 3-MOS
<FISCAL-YEAR-END>                                       DEC-31-1996
<PERIOD-END>                                            MAR-31-1997

<CASH>                                                    1,082,339
<INT-BEARING-DEPOSITS>                                        9,458
<FED-FUNDS-SOLD>                                            192,073
<TRADING-ASSETS>                                                994
<INVESTMENTS-HELD-FOR-SALE>                               1,942,234
<INVESTMENTS-CARRYING>                                    2,251,167
<INVESTMENTS-MARKET>                                      2,264,757
<LOANS>                                                  13,346,973
<ALLOWANCE>                                                 213,134
<TOTAL-ASSETS>                                           19,538,318
<DEPOSITS>                                               14,587,032
<SHORT-TERM>                                              2,458,339
<LIABILITIES-OTHER>                                         255,036
<LONG-TERM>                                                 697,688
<COMMON>                                                    181,102
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                   8,129
<OTHER-SE>                                                1,350,992
<TOTAL-LIABILITIES-AND-EQUITY>                           19,538,318
<INTEREST-LOAN>                                             276,230
<INTEREST-INVEST>                                            63,698
<INTEREST-OTHER>                                              1,696
<INTEREST-TOTAL>                                            341,624
<INTEREST-DEPOSIT>                                          114,115
<INTEREST-EXPENSE>                                          154,556
<INTEREST-INCOME-NET>                                       187,068
<LOAN-LOSSES>                                                 9,718
<SECURITIES-GAINS>                                            1,126
<EXPENSE-OTHER>                                             178,622
<INCOME-PRETAX>                                             109,177
<INCOME-PRE-EXTRAORDINARY>                                   71,795
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                 71,795
<EPS-PRIMARY>                                                  0.49
<EPS-DILUTED>                                                  0.49
<YIELD-ACTUAL>                                                 4.51
<LOANS-NON>                                                  91,843
<LOANS-PAST>                                                 71,749
<LOANS-TROUBLED>                                                274
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            213,138
<CHARGE-OFFS>                                                14,783
<RECOVERIES>                                                  5,061
<ALLOWANCE-CLOSE>                                           213,134
<ALLOWANCE-DOMESTIC>                                        212,537
<ALLOWANCE-FOREIGN>                                             597
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>