<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                         194,609                 212,616
<INT-BEARING-DEPOSITS>                               0                       0
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<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 24,973                  25,340
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<EXTRAORDINARY>                                      0                       0
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<EPS-PRIMARY>                                     0.46                    0.42
<EPS-DILUTED>                                     0.46                    0.42
<YIELD-ACTUAL>                                    7.75                    8.16
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<LOANS-PROBLEM>                                      0                       0
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<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         22,792                  20,153