<TABLE> <S> <C>

<ARTICLE>                     9
<RESTATED>
<MULTIPLIER>                  1000
<CURRENCY>                    U.S. Dollars
       
<S>                             <C>                         <C>
<PERIOD-TYPE>                   YEAR                        YEAR
<FISCAL-YEAR-END>                         DEC-31-1996                     DEC-31-1995
<PERIOD-START>                            JAN-01-1996                     JAN-01-1995
<PERIOD-END>                              DEC-31-1996                     DEC-31-1995
<EXCHANGE-RATE>                                     1                               1
<CASH>                                         31,260                          90,280
<INT-BEARING-DEPOSITS>                              0                               0
<FED-FUNDS-SOLD>                                    0                               0
<TRADING-ASSETS>                                    0                               0
<INVESTMENTS-HELD-FOR-SALE>                         0                               0
<INVESTMENTS-CARRYING>                              0                               0
<INVESTMENTS-MARKET>                                0                               0
<LOANS>                                     7,298,759                       6,348,079
<ALLOWANCE>                                   148,693                         129,077
<TOTAL-ASSETS>                              7,526,734                       7,036,514
<DEPOSITS>                                          0                               0
<SHORT-TERM>                                        0                               0
<LIABILITIES-OTHER>                           635,370                         561,962
<LONG-TERM>                                 5,850,223                       5,649,368
<PREFERRED-MANDATORY>                         111,550                               0
<PREFERRED>                                         0                               0
<COMMON>                                          568                             568
<OTHER-SE>                                    929,023                         824,616
<TOTAL-LIABILITIES-AND-EQUITY>              7,526,734                       7,036,514
<INTEREST-LOAN>                               769,346                         680,912
<INTEREST-INVEST>                                   0                               0
<INTEREST-OTHER>                                    0                               0
<INTEREST-TOTAL>                                    0                               0
<INTEREST-DEPOSIT>                                  0                               0
<INTEREST-EXPENSE>                            366,543                         337,814
<INTEREST-INCOME-NET>                         340,517                         287,880
<LOAN-LOSSES>                                  41,751                          37,568
<SECURITIES-GAINS>                                  0                               0
<EXPENSE-OTHER>                               154,481                         131,571
<INCOME-PRETAX>                               185,822                         150,834
<INCOME-PRE-EXTRAORDINARY>                          0                               0
<EXTRAORDINARY>                                     0                               0
<CHANGES>                                           0                               0
<NET-INCOME>                                  117,000                          97,629
<EPS-PRIMARY>                                    2.15                            1.79
<EPS-DILUTED>                                    2.09                            1.76
<YIELD-ACTUAL>                                    5.4                             5.3
<LOANS-NON>                                   155,505                         143,127
<LOANS-PAST>                                        0                               0
<LOANS-TROUBLED>                                    0                          17,260
<LOANS-PROBLEM>                                     0                               0
<ALLOWANCE-OPEN>                              129,077                         110,903
<CHARGE-OFFS>                                  32,017                          25,631
<RECOVERIES>                                    3,296                           2,104
<ALLOWANCE-CLOSE>                             148,693                         129,077
<ALLOWANCE-DOMESTIC>                                0                               0
<ALLOWANCE-FOREIGN>                                 0                               0
<ALLOWANCE-UNALLOCATED>                             0                               0
        

</TABLE>