<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                 6-MOS
<FISCAL-YEAR-END>                                       DEC-31-1996
<PERIOD-END>                                            JUN-30-1997

<CASH>                                                    1,317,063
<INT-BEARING-DEPOSITS>                                       26,496
<FED-FUNDS-SOLD>                                            224,006
<TRADING-ASSETS>                                              1,763
<INVESTMENTS-HELD-FOR-SALE>                               1,782,225
<INVESTMENTS-CARRYING>                                    2,346,013
<INVESTMENTS-MARKET>                                      2,382,111
<LOANS>                                                  13,480,457
<ALLOWANCE>                                                 213,763
<TOTAL-ASSETS>                                           19,905,685
<DEPOSITS>                                               14,623,736
<SHORT-TERM>                                              2,794,858
<LIABILITIES-OTHER>                                         268,724
<LONG-TERM>                                                 627,935
<COMMON>                                                    181,102
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                   7,454
<OTHER-SE>                                                1,401,876
<TOTAL-LIABILITIES-AND-EQUITY>                           19,905,685
<INTEREST-LOAN>                                             560,061
<INTEREST-INVEST>                                           127,849
<INTEREST-OTHER>                                              4,202
<INTEREST-TOTAL>                                            692,112
<INTEREST-DEPOSIT>                                          231,305
<INTEREST-EXPENSE>                                          318,477
<INTEREST-INCOME-NET>                                       373,635
<LOAN-LOSSES>                                                19,250
<SECURITIES-GAINS>                                            1,126
<EXPENSE-OTHER>                                             358,724
<INCOME-PRETAX>                                             219,488
<INCOME-PRE-EXTRAORDINARY>                                  144,503
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                144,503
<EPS-PRIMARY>                                                  0.50
<EPS-DILUTED>                                                  0.50
<YIELD-ACTUAL>                                                 4.47
<LOANS-NON>                                                  85,393
<LOANS-PAST>                                                 72,952
<LOANS-TROUBLED>                                                273
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            213,138
<CHARGE-OFFS>                                                28,552
<RECOVERIES>                                                  9,927
<ALLOWANCE-CLOSE>                                           213,763
<ALLOWANCE-DOMESTIC>                                        213,293
<ALLOWANCE-FOREIGN>                                             470
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>