<ARTICLE>                                            9
       
                                            
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                             270,385
<INT-BEARING-DEPOSITS>                              25,635
<FED-FUNDS-SOLD>                                    33,396
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      2,031,859
<INVESTMENTS-CARRYING>                              65,659
<INVESTMENTS-MARKET>                                67,879
<LOANS>                                          5,814,127
<ALLOWANCE>                                         74,139
<TOTAL-ASSETS>                                   8,739,840
<DEPOSITS>                                       6,045,559
<SHORT-TERM>                                     1,137,345
<LIABILITIES-OTHER>                                129,498 
<LONG-TERM>                                        734,874
<PREFERRED-MANDATORY>                                 0                          
<PREFERRED>                                           0    
<COMMON>                                           215,314
<OTHER-SE>                                         477,250
<TOTAL-LIABILITIES-AND-EQUITY>                   8,739,840
<INTEREST-LOAN>                                    125,108
<INTEREST-INVEST>                                   31,889                              
<INTEREST-OTHER>                                       575
<INTEREST-TOTAL>                                   157,572 
<INTEREST-DEPOSIT>                                  50,114
<INTEREST-EXPENSE>                                  74,784
<INTEREST-INCOME-NET>                               82,788
<LOAN-LOSSES>                                        6,266
<SECURITIES-GAINS>                                     483
<EXPENSE-OTHER>                                     25,937
<INCOME-PRETAX>                                     31,937
<INCOME-PRE-EXTRAORDINARY>                          31,937
<EXTRAORDINARY>                                          0                                
<CHANGES>                                                0                                      
<NET-INCOME>                                        20,577
<EPS-PRIMARY>                                         0.72    
<EPS-DILUTED>                                         0.71
<YIELD-ACTUAL>                                        4.22 
<LOANS-NON>                                         36,363                                    
<LOANS-PAST>                                        12,065                                   
<LOANS-TROUBLED>                                         0                              
<LOANS-PROBLEM>                                     50,000
<ALLOWANCE-OPEN>                                    72,310
<CHARGE-OFFS>                                        5,866
<RECOVERIES>                                           824
<ALLOWANCE-CLOSE>                                   74,139
<ALLOWANCE-DOMESTIC>                                74,139
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                             10,037