<TABLE> <S> <C>

<ARTICLE>                  9
<MULTIPLIER>               1,000
       
<S>                                                  <C>
<PERIOD-TYPE>                                        YEAR
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-END>                                        DEC-31-1998
<CASH>                                                1,012,269
<INT-BEARING-DEPOSITS>                               15,105,654
<FED-FUNDS-SOLD>                                      4,845,000
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             277,970
<INVESTMENTS-CARRYING>                                  350,883
<INVESTMENTS-MARKET>                                    359,033
<LOANS>                                              14,884,497
<ALLOWANCE>                                             271,499
<TOTAL-ASSETS>                                       22,260,841
<DEPOSITS>                                           20,244,046
<SHORT-TERM>                                            100,000
<LIABILITIES-OTHER>                                     661,184
<LONG-TERM>                                                   0
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 45,676
<OTHER-SE>                                            1,170,444
<TOTAL-LIABILITIES-AND-EQUITY>                       22,260,841
<INTEREST-LOAN>                                       1,472,713
<INTEREST-INVEST>                                       120,146
<INTEREST-OTHER>                                        273,926
<INTEREST-TOTAL>                                      1,866,785
<INTEREST-DEPOSIT>                                      876,637
<INTEREST-EXPENSE>                                      889,292      
<INTEREST-INCOME-NET>                                   977,493
<LOAN-LOSSES>                                            40,000
<SECURITIES-GAINS>                                          543
<EXPENSE-OTHER>                                       1,699,677
<INCOME-PRETAX>                                        (584,021)
<INCOME-PRE-EXTRAORDINARY>                             (584,021)
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                           (584,021)
<EPS-PRIMARY>                                             (0.13)
<EPS-DILUTED>                                             (0.13)
<YIELD-ACTUAL>                                             7.21
<LOANS-NON>                                              49,647
<LOANS-PAST>                                            623,140
<LOANS-TROUBLED>                                         49,647     
<LOANS-PROBLEM>                                         288,802      
<ALLOWANCE-OPEN>                                              0
<CHARGE-OFFS>                                            65,097
<RECOVERIES>                                              7,794
<ALLOWANCE-CLOSE>                                       271,499      
<ALLOWANCE-DOMESTIC>                                    271,499
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0
        

</TABLE>