<ARTICLE>                                                9
<MULTIPLIER>                                         1,000

                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                             292,134
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    84,009
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      2,111,037
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                          7,010,913
<ALLOWANCE>                                         94,045
<TOTAL-ASSETS>                                  10,537,926
<DEPOSITS>                                       7,229,988
<SHORT-TERM>                                       977,835
<LIABILITIES-OTHER>                                232,991
<LONG-TERM>                                      1,170,890
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                          7,000
<COMMON>                                            14,410
<OTHER-SE>                                         904,812
<TOTAL-LIABILITIES-AND-EQUITY>                  10,537,926
<INTEREST-LOAN>                                    616,233
<INTEREST-INVEST>                                  109,894
<INTEREST-OTHER>                                     4,588
<INTEREST-TOTAL>                                   730,715
<INTEREST-DEPOSIT>                                 268,800
<INTEREST-EXPENSE>                                 394,083
<INTEREST-INCOME-NET>                              336,632
<LOAN-LOSSES>                                       48,417
<SECURITIES-GAINS>                                      71
<EXPENSE-OTHER>                                    326,990
<INCOME-PRETAX>                                    233,889
<INCOME-PRE-EXTRAORDINARY>                         150,949
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       150,949
<EPS-BASIC>                                           3.18
<EPS-DILUTED>                                         3.08
<YIELD-ACTUAL>                                        3.80
<LOANS-NON>                                         55,668
<LOANS-PAST>                                        15,769
<LOANS-TROUBLED>                                     1,541
<LOANS-PROBLEM>                                     46,961
<ALLOWANCE-OPEN>                                    78,867
<CHARGE-OFFS>                                       47,290
<RECOVERIES>                                        12,788
<ALLOWANCE-CLOSE>                                   94,045
<ALLOWANCE-DOMESTIC>                                94,045
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0