<ARTICLE>                                                9
<MULTIPLIER>                                         1,000

                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
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<INT-BEARING-DEPOSITS>                                   0
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<INVESTMENTS-HELD-FOR-SALE>                      1,598,083
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<INVESTMENTS-MARKET>                                     0
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<ALLOWANCE>                                         78,867
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<COMMON>                                            14,150
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<INTEREST-INVEST>                                  105,421
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<INTEREST-EXPENSE>                                 382,902
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<LOAN-LOSSES>                                       31,597
<SECURITIES-GAINS>                                  13,044
<EXPENSE-OTHER>                                    317,316
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<EPS-BASIC>                                           2.57
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<YIELD-ACTUAL>                                        3.84
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<RECOVERIES>                                         9,845
<ALLOWANCE-CLOSE>                                   78,867
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<ALLOWANCE-FOREIGN>                                      0
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