<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AS OF DECEMBER 31, 1998, FROM THE INCOME STATEMENT FOR THE YEAR ENDED
DECEMBER 31, 1998 AND FROM MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF OPERATIONS FOR THE PERIOD ENDED DECEMBER 31, 1998, AND
IS QUAILIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                                            <C> 
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998                             
<PERIOD-END>                                   DEC-31-1998            
<CASH>                                         254,994,000
<INT-BEARING-DEPOSITS>                             100,000
<FED-FUNDS-SOLD>                                57,616,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                  1,880,462,000
<INVESTMENTS-CARRYING>                          27,079,000
<INVESTMENTS-MARKET>                            27,316,000
<LOANS>                                      5,220,890,000
<ALLOWANCE>                                    112,423,000
<TOTAL-ASSETS>                               7,609,563,000
<DEPOSITS>                                   5,958,346,000
<SHORT-TERM>                                   511,945,000
<LIABILITIES-OTHER>                             98,979,000
<LONG-TERM>                                     40,934,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                       142,054,000
<OTHER-SE>                                     857,305,000
<TOTAL-LIABILITIES-AND-EQUITY>               7,609,563,000
<INTEREST-LOAN>                                444,519,000
<INTEREST-INVEST>                              101,017,000
<INTEREST-OTHER>                                 9,856,000
<INTEREST-TOTAL>                               555,392,000
<INTEREST-DEPOSIT>                             178,144,000
<INTEREST-EXPENSE>                             202,027,000
<INTEREST-INCOME-NET>                          353,365,000
<LOAN-LOSSES>                                   11,489,000
<SECURITIES-GAINS>                                   8,000
<EXPENSE-OTHER>                                219,005,000
<INCOME-PRETAX>                                231,564,000
<INCOME-PRE-EXTRAORDINARY>                     231,564,000
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                   147,128,000
<EPS-PRIMARY>                                         2.05
<EPS-DILUTED>                                         2.04
<YIELD-ACTUAL>                                        5.20
<LOANS-NON>                                     21,303,000    
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  3,906,000
<ALLOWANCE-OPEN>                               106,097,000
<CHARGE-OFFS>                                   10,008,000
<RECOVERIES>                                     3,411,000
<ALLOWANCE-CLOSE>                              112,423,000
<ALLOWANCE-DOMESTIC>                           112,423,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
                                             

</TABLE>