<TABLE> <S> <C>

<ARTICLE>                                                                9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  balance  sheets and statements of income found on pages 2 and 3 of
the Company's audited financial statements for the year ended December 31,1999.
</LEGEND>
<MULTIPLIER>                                                 1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       12-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-START>                                      JAN-01-1999
<PERIOD-END>                                        DEC-31-1999
<CASH>                                                     508,959
<INT-BEARING-DEPOSITS>                                           5
<FED-FUNDS-SOLD>                                                 0
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                             14,840,331
<INVESTMENTS-CARRYING>                                   2,335,053
<INVESTMENTS-MARKET>                                     2,330,463
<LOANS>                                                 34,682,523 <F1>
<ALLOWANCE>                                                554,893
<TOTAL-ASSETS>                                          57,019,060
<DEPOSITS>                                              23,035,757
<SHORT-TERM>                                            17,415,375
<LIABILITIES-OTHER>                                        771,147
<LONG-TERM>                                             13,734,998
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                   134,721
<OTHER-SE>                                               1,427,062
<TOTAL-LIABILITIES-AND-EQUITY>                          57,019,060
<INTEREST-LOAN>                                          2,441,986
<INTEREST-INVEST>                                        1,210,283
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                         3,652,269
<INTEREST-DEPOSIT>                                         888,286
<INTEREST-EXPENSE>                                       2,466,382
<INTEREST-INCOME-NET>                                    1,185,887
<LOAN-LOSSES>                                               10,000
<SECURITIES-GAINS>                                           1,283
<EXPENSE-OTHER>                                            925,457
<INCOME-PRETAX>                                            669,272
<INCOME-PRE-EXTRAORDINARY>                                 320,715
<EXTRAORDINARY>                                              2,472
<CHANGES>                                                        0
<NET-INCOME>                                               323,187
<EPS-BASIC>                                                   2.47
<EPS-DILUTED>                                                 2.31
<YIELD-ACTUAL>                                                6.97
<LOANS-NON>                                                150,754
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                            24,830
<LOANS-PROBLEM>                                             90,999
<ALLOWANCE-OPEN>                                           588,533
<CHARGE-OFFS>                                               40,312
<RECOVERIES>                                                 4,681
<ALLOWANCE-CLOSE>                                          554,893
<ALLOWANCE-DOMESTIC>                                        38,582
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                    516,311
<FN>
<F1> Loans includes loans held for sale of $729,062 and allowance for loan
     losses of $554,893.
</FN>


</TABLE>