<TABLE> <S> <C>

<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       

<S>                                  <C>

<PERIOD-TYPE>                                                12-MOS
<FISCAL-YEAR-END>                                       DEC-31-1997
<PERIOD-END>                                            DEC-31-1997

<CASH>                                                    1,254,289
<INT-BEARING-DEPOSITS>                                        5,249
<FED-FUNDS-SOLD>                                             82,589
<TRADING-ASSETS>                                              2,293
<INVESTMENTS-HELD-FOR-SALE>                               1,707,606
<INVESTMENTS-CARRYING>                                    2,452,124
<INVESTMENTS-MARKET>                                      2,505,360
<LOANS>                                                  13,568,786
<ALLOWANCE>                                                 218,861
<TOTAL-ASSETS>                                           19,843,685
<DEPOSITS>                                               14,714,654
<SHORT-TERM>                                              2,121,412
<LIABILITIES-OTHER>                                         257,367
<LONG-TERM>                                               1,057,151
<COMMON>                                                    181,102
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                   5,308
<OTHER-SE>                                                1,506,691
<TOTAL-LIABILITIES-AND-EQUITY>                           19,843,685
<INTEREST-LOAN>                                           1,138,417
<INTEREST-INVEST>                                           256,354
<INTEREST-OTHER>                                              6,702
<INTEREST-TOTAL>                                          1,401,473
<INTEREST-DEPOSIT>                                          471,670
<INTEREST-EXPENSE>                                          651,088
<INTEREST-INCOME-NET>                                       750,385
<LOAN-LOSSES>                                                54,658
<SECURITIES-GAINS>                                              679
<EXPENSE-OTHER>                                             744,018
<INCOME-PRETAX>                                             442,848
<INCOME-PRE-EXTRAORDINARY>                                  295,209
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                295,209
<EPS-PRIMARY>                                                  2.03
<EPS-DILUTED>                                                  2.00
<YIELD-ACTUAL>                                                 4.47
<LOANS-NON>                                                  63,858
<LOANS-PAST>                                                 57,628
<LOANS-TROUBLED>                                                263
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            213,138
<CHARGE-OFFS>                                                70,743
<RECOVERIES>                                                 21,808
<ALLOWANCE-CLOSE>                                           218,861
<ALLOWANCE-DOMESTIC>                                        218,552
<ALLOWANCE-FOREIGN>                                             309
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>