<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                12-MOS
<FISCAL-YEAR-END>                                       DEC-31-1996
<PERIOD-END>                                            DEC-31-1996

<CASH>                                                    1,449,094
<INT-BEARING-DEPOSITS>                                        6,349
<FED-FUNDS-SOLD>                                            192,965
<TRADING-ASSETS>                                             13,489
<INVESTMENTS-HELD-FOR-SALE>                               1,966,590
<INVESTMENTS-CARRYING>                                    2,250,776
<INVESTMENTS-MARKET>                                      2,287,448
<LOANS>                                                  13,195,534
<ALLOWANCE>                                                 213,138
<TOTAL-ASSETS>                                           19,767,420
<DEPOSITS>                                               15,214,197
<SHORT-TERM>                                              1,868,606
<LIABILITIES-OTHER>                                         283,376
<LONG-TERM>                                                 697,194
<COMMON>                                                    188,532
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                  11,344
<OTHER-SE>                                                1,504,171
<TOTAL-LIABILITIES-AND-EQUITY>                           19,767,420
<INTEREST-LOAN>                                           1,113,459
<INTEREST-INVEST>                                           263,799
<INTEREST-OTHER>                                              5,640
<INTEREST-TOTAL>                                          1,382,898
<INTEREST-DEPOSIT>                                          465,553
<INTEREST-EXPENSE>                                          633,012
<INTEREST-INCOME-NET>                                       749,886
<LOAN-LOSSES>                                                42,647
<SECURITIES-GAINS>                                               66
<EXPENSE-OTHER>                                             773,330
<INCOME-PRETAX>                                             374,361
<INCOME-PRE-EXTRAORDINARY>                                  250,177
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                250,177
<EPS-PRIMARY>                                                  1.68
<EPS-DILUTED>                                                  1.66
<YIELD-ACTUAL>                                                 4.51
<LOANS-NON>                                                  85,078
<LOANS-PAST>                                                 74,659
<LOANS-TROUBLED>                                              1,028
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            195,283
<CHARGE-OFFS>                                                63,208
<RECOVERIES>                                                 24,450
<ALLOWANCE-CLOSE>                                           213,138
<ALLOWANCE-DOMESTIC>                                        212,657
<ALLOWANCE-FOREIGN>                                             481
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>