<ARTICLE>                                            9

                                        
<PERIOD-TYPE>                 9-MOS
<FISCAL-YEAR-END>                          Dec-31-1999
<PERIOD-END>                               Sep-30-1999
<CASH>                                         244,119
<INT-BEARING-DEPOSITS>                          14,363
<FED-FUNDS-SOLD>                                59,571
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,146,232
<INVESTMENTS-CARRYING>                          54,860
<INVESTMENTS-MARKET>                            55,823
<LOANS>                                      5,852,553
<ALLOWANCE>                                     72,619
<TOTAL-ASSETS>                               8,876,485
<DEPOSITS>                                   6,034,436
<SHORT-TERM>                                 1,243,006
<LIABILITIES-OTHER>                            113,434
<LONG-TERM>                                    787,102
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       214,609
<OTHER-SE>                                     483,898
<TOTAL-LIABILITIES-AND-EQUITY>               8,876,485
<INTEREST-LOAN>                                378,848
<INTEREST-INVEST>                               97,260
<INTEREST-OTHER>                                 1,911
<INTEREST-TOTAL>                               478,019
<INTEREST-DEPOSIT>                             149,486
<INTEREST-EXPENSE>                             224,846
<INTEREST-INCOME-NET>                          253,173
<LOAN-LOSSES>                                   27,077
<SECURITIES-GAINS>                              (1,208)
<EXPENSE-OTHER>                                 80,273
<INCOME-PRETAX>                                112,159
<INCOME-PRE-EXTRAORDINARY>                     112,159
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    74,108
<EPS-BASIC>                                     2.60
<EPS-DILUTED>                                     2.57
<YIELD-ACTUAL>                                    4.27
<LOANS-NON>                                     37,924
<LOANS-PAST>                                     7,340
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 25,000
<ALLOWANCE-OPEN>                                72,310
<CHARGE-OFFS>                                   28,873
<RECOVERIES>                                     2,056
<ALLOWANCE-CLOSE>                               72,619
<ALLOWANCE-DOMESTIC>                            72,619
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         16,059