<ARTICLE>                                                9
<MULTIPLIER>                                         1,000

                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                             281,923
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    24,366
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      1,468,438
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                          5,748,188
<ALLOWANCE>                                         74,615
<TOTAL-ASSETS>                                   7,946,580
<DEPOSITS>                                       5,357,072
<SHORT-TERM>                                       807,625
<LIABILITIES-OTHER>                                199,869
<LONG-TERM>                                        863,093
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                          7,000
<COMMON>                                            13,827
<OTHER-SE>                                         698,094
<TOTAL-LIABILITIES-AND-EQUITY>                   7,946,580
<INTEREST-LOAN>                                    545,030
<INTEREST-INVEST>                                   84,464
<INTEREST-OTHER>                                     2,152
<INTEREST-TOTAL>                                   631,646
<INTEREST-DEPOSIT>                                 253,455
<INTEREST-EXPENSE>                                 344,510
<INTEREST-INCOME-NET>                              287,136
<LOAN-LOSSES>                                       45,119
<SECURITIES-GAINS>                                   9,980
<EXPENSE-OTHER>                                    241,152
<INCOME-PRETAX>                                    175,764
<INCOME-PRE-EXTRAORDINARY>                         114,715
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       114,715
<EPS-BASIC>                                           2.51
<EPS-DILUTED>                                         2.38
<YIELD-ACTUAL>                                        3.93
<LOANS-NON>                                         47,442
<LOANS-PAST>                                         9,985
<LOANS-TROUBLED>                                       830
<LOANS-PROBLEM>                                     31,798
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<CHARGE-OFFS>                                       51,407
<RECOVERIES>                                        10,128
<ALLOWANCE-CLOSE>                                   74,615
<ALLOWANCE-DOMESTIC>                                74,615
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0