<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE CONSOLIDATED STATEMENTS OF CONDITION AND CONSOLIDATED STATEMENTS
OF INCOME AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                          430859
<INT-BEARING-DEPOSITS>                          656292
<FED-FUNDS-SOLD>                                 64922
<TRADING-ASSETS>                                    33
<INVESTMENTS-HELD-FOR-SALE>                    2365855
<INVESTMENTS-CARRYING>                          817733
<INVESTMENTS-MARKET>                            815718
<LOANS>                                        8247669
<ALLOWANCE>                                     152053
<TOTAL-ASSETS>                                12905133
<DEPOSITS>                                     7318197
<SHORT-TERM>                                   3057835
<LIABILITIES-OTHER>                             321607
<LONG-TERM>                                    1142111
<PREFERRED-MANDATORY>                            81610
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      965054
<TOTAL-LIABILITIES-AND-EQUITY>                12905133
<INTEREST-LOAN>                                 169127
<INTEREST-INVEST>                                51791
<INTEREST-OTHER>                                 10169
<INTEREST-TOTAL>                                231087
<INTEREST-DEPOSIT>                               63002
<INTEREST-EXPENSE>                              118250
<INTEREST-INCOME-NET>                           112837
<LOAN-LOSSES>                                     4424
<SECURITIES-GAINS>                               (129)
<EXPENSE-OTHER>                                  97578
<INCOME-PRETAX>                                  48461
<INCOME-PRE-EXTRAORDINARY>                       48461
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     32710
<EPS-PRIMARY>                                     0.79
<EPS-DILUTED>                                     0.79
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                      53650
<LOANS-PAST>                                     21257
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                151979
<CHARGE-OFFS>                                     7001
<RECOVERIES>                                      2837
<ALLOWANCE-CLOSE>                               152053
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0