<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                         221,647                 153,072
<INT-BEARING-DEPOSITS>                          14,405                   5,450
<FED-FUNDS-SOLD>                                     0                  81,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  3,899,591               3,541,327
<INVESTMENTS-CARRYING>                       1,279,489               1,690,469
<INVESTMENTS-MARKET>                         1,223,576               1,684,858
<LOANS>                                      8,886,255               7,104,471
<ALLOWANCE>                                     87,491                  76,133
<TOTAL-ASSETS>                              15,024,882              12,834,257
<DEPOSITS>                                   9,034,045               7,648,202
<SHORT-TERM>                                 2,694,022               1,090,000
<LIABILITIES-OTHER>                            441,027                 400,448
<LONG-TERM>                                  1,562,759               3,566,796
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,738                   1,930
<OTHER-SE>                                   1,291,291               1,216,881
<TOTAL-LIABILITIES-AND-EQUITY>              15,024,882              12,834,257
<INTEREST-LOAN>                                168,924                 144,285
<INTEREST-INVEST>                               83,865                  77,212
<INTEREST-OTHER>                                 1,185                   1,044
<INTEREST-TOTAL>                               253,974                 222,541
<INTEREST-DEPOSIT>                              52,550                  49,189
<INTEREST-EXPENSE>                             114,837                  93,177
<INTEREST-INCOME-NET>                          139,137                 129,364
<LOAN-LOSSES>                                    9,000                   1,257
<SECURITIES-GAINS>                            (19,748)                   2,703
<EXPENSE-OTHER>                                113,353                  50,660
<INCOME-PRETAX>                                 18,606                  95,428
<INCOME-PRE-EXTRAORDINARY>                      18,606                  95,428
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,912                  61,047
<EPS-BASIC>                                       0.01                    0.36
<EPS-DILUTED>                                     0.01                    0.36
<YIELD-ACTUAL>                                    4.23                    4.47
<LOANS-NON>                                      7,669                   9,830
<LOANS-PAST>                                     5,443                   4,043
<LOANS-TROUBLED>                                     0                     580
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                74,525                  77,683
<CHARGE-OFFS>                                    6,747                   3,714
<RECOVERIES>                                     1,644                     907
<ALLOWANCE-CLOSE>                               87,491                  76,133
<ALLOWANCE-DOMESTIC>                            87,491                  76,133
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>