<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-31-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                          532009
<INT-BEARING-DEPOSITS>                          562222
<FED-FUNDS-SOLD>                                 72499
<TRADING-ASSETS>                                  2067
<INVESTMENTS-HELD-FOR-SALE>                    2419376
<INVESTMENTS-CARRYING>                         1289263
<INVESTMENTS-MARKET>                           1284374
<LOANS>                                        8753384
<ALLOWANCE>                                     170059
<TOTAL-ASSETS>                                13986794
<DEPOSITS>                                     9113792
<SHORT-TERM>                                   2740191
<LIABILITIES-OTHER>                             373057
<LONG-TERM>                                     698350
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         79370
<OTHER-SE>                                      982034
<TOTAL-LIABILITIES-AND-EQUITY>                13986794
<INTEREST-LOAN>                                 184071
<INTEREST-INVEST>                                59082
<INTEREST-OTHER>                                 10620
<INTEREST-TOTAL>                                253773
<INTEREST-DEPOSIT>                               76897
<INTEREST-EXPENSE>                              125134
<INTEREST-INCOME-NET>                           128639
<LOAN-LOSSES>                                     5088
<SECURITIES-GAINS>                                 463
<EXPENSE-OTHER>                                 109665
<INCOME-PRETAX>                                  57643
<INCOME-PRE-EXTRAORDINARY>                       57643
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     35481
<EPS-PRIMARY>                                     0.88
<EPS-DILUTED>                                     0.88
<YIELD-ACTUAL>                                    4.02
<LOANS-NON>                                      76300
<LOANS-PAST>                                     29900
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                167795
<CHARGE-OFFS>                                     7200
<RECOVERIES>                                      5700
<ALLOWANCE-CLOSE>                               170059
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0