<TABLE> <S> <C>

<ARTICLE>                9
<RESTATED>
       
<S>                                            <C>             <C>                <C>
<PERIOD-TYPE>                                   3-MOS           6-MOS             9-MOS
<FISCAL-YEAR-END>                         DEC-31-1996     DEC-31-1996       DEC-31-1996
<PERIOD-END>                              MAR-31-1997     JUN-30-1997       SEP-30-1997
<CASH>                                        132,972         130,667           140,898
<INT-BEARING-DEPOSITS>                              0               0                 0
<FED-FUNDS-SOLD>                              780,551         856,456                 0
<TRADING-ASSETS>                                    0               0                 0
<INVESTMENTS-HELD-FOR-SALE>                   818,999         808,000           783,522
<INVESTMENTS-CARRYING>                      3,969,251       3,846,002         3,724,677
<INVESTMENTS-MARKET>                        3,943,076       3,846,110         3,749,985
<LOANS>                                    30,698,538      31,821,887        32,723,212
<ALLOWANCE>                                   209,077         216,651           222,020
<TOTAL-ASSETS>                             38,530,009      39,095,082        39,228,359
<DEPOSITS>                                 22,943,924      24,036,660        24,234,947
<SHORT-TERM>                                4,764,477       4,431,565         4,542,826
<LIABILITIES-OTHER>                           741,839         734,564           778,399
<LONG-TERM>                                 7,665,877       7,401,403         7,096,967
<PREFERRED-MANDATORY>                               0               0                 0
<PREFERRED>                                         0               0                 0
<COMMON>                                        5,722           5,674             5,677
<OTHER-SE>                                  2,408,170       2,485,216         2,569,543
<TOTAL-LIABILITIES-AND-EQUITY>             38,530,009      39,095,082        39,228,359
<INTEREST-LOAN>                               565,063       1,148,722         1,758,899
<INTEREST-INVEST>                              34,283          68,494           105,908
<INTEREST-OTHER>                               74,933         147,302           217,913
<INTEREST-TOTAL>                              674,279       1,364,518         2,082,720
<INTEREST-DEPOSIT>                            280,320         574,442           889,337
<INTEREST-EXPENSE>                            455,587         929,246         1,425,303
<INTEREST-INCOME-NET>                         218,692         435,272           657,417
<LOAN-LOSSES>                                  20,695          33,806            43,786
<SECURITIES-GAINS>                                  0               0             2,831
<EXPENSE-OTHER>                                79,170         157,797           241,031
<INCOME-PRETAX>                               138,059         282,711           432,062
<INCOME-PRE-EXTRAORDINARY>                    138,059         282,711           432,062
<EXTRAORDINARY>                                     0               0                 0
<CHANGES>                                           0               0                 0
<NET-INCOME>                                   83,374         170,651           260,658
<EPS-PRIMARY>                                    1.45            2.99              4.57
<EPS-DILUTED>                                    1.43            2.94              4.50
<YIELD-ACTUAL>                                   7.37            7.35              7.42
<LOANS-NON>                                   389,625         361,860           344,655
<LOANS-PAST>                                        0               0                 0
<LOANS-TROUBLED>                               86,931          75,834            51,785
<LOANS-PROBLEM>                                58,243               0                 0
<ALLOWANCE-OPEN>                              195,702         195,702           195,702
<CHARGE-OFFS>                                   7,558          13,305            18,115
<RECOVERIES>                                      238             448               647
<ALLOWANCE-CLOSE>                             209,077         216,651           222,020
<ALLOWANCE-DOMESTIC>                          209,077         216,651           222,020
<ALLOWANCE-FOREIGN>                                 0               0                 0
<ALLOWANCE-UNALLOCATED>                             0               0                 0
        

</TABLE>