<ARTICLE>                                                9
<MULTIPLIER>                                         1,000
       
                             
<PERIOD-TYPE>                   year
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                             292,555
<INT-BEARING-DEPOSITS>                                   0
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<TRADING-ASSETS>                                        99
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<INVESTMENTS-MARKET>                             1,407,167
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<ALLOWANCE>                                         64,100
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<DEPOSITS>                                       3,818,949
<SHORT-TERM>                                       948,700
<LIABILITIES-OTHER>                                183,884
<LONG-TERM>                                              0
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<OTHER-SE>                                         578,471
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<INTEREST-INVEST>                                  125,713
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<LOAN-LOSSES>                                        4,682
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<EXPENSE-OTHER>                                    167,915
<INCOME-PRETAX>                                    106,963
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<CHANGES>                                                0
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<EPS-PRIMARY>                                         1.95
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<YIELD-ACTUAL>                                        4.32
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<LOANS-PROBLEM>                                          0
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<ALLOWANCE-FOREIGN>                                      0
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