<ARTICLE>                                            9

                                       
<PERIOD-TYPE>                  9-MOS
<FISCAL-YEAR-END>                          Dec-31-1998
<PERIOD-END>                               Sep-30-1998
<CASH>                                         250,802
<INT-BEARING-DEPOSITS>                          18,344
<FED-FUNDS-SOLD>                                11,701
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,074,235
<INVESTMENTS-CARRYING>                         119,131
<INVESTMENTS-MARKET>                           122,309
<LOANS>                                      5,460,334
<ALLOWANCE>                                     71,390
<TOTAL-ASSETS>                               8,383,120
<DEPOSITS>                                   5,965,548
<SHORT-TERM>                                 1,076,303
<LIABILITIES-OTHER>                            134,744
<LONG-TERM>                                    542,013
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       203,198
<OTHER-SE>                                     461,314
<TOTAL-LIABILITIES-AND-EQUITY>               8,383,120
<INTEREST-LOAN>                                367,276
<INTEREST-INVEST>                               95,109
<INTEREST-OTHER>                                 1,196
<INTEREST-TOTAL>                               463,581
<INTEREST-DEPOSIT>                             164,630
<INTEREST-EXPENSE>                             227,442
<INTEREST-INCOME-NET>                          236,139
<LOAN-LOSSES>                                   11,069
<SECURITIES-GAINS>                                 662
<EXPENSE-OTHER>                                 78,717
<INCOME-PRETAX>                                113,549
<INCOME-PRE-EXTRAORDINARY>                     113,549
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    74,917
<EPS-BASIC>                                     2.67
<EPS-DILUTED>                                     2.62
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                     32,403
<LOANS-PAST>                                    10,061
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 12,500
<ALLOWANCE-OPEN>                                68,576
<CHARGE-OFFS>                                   13,069
<RECOVERIES>                                     2,746
<ALLOWANCE-CLOSE>                               71,390
<ALLOWANCE-DOMESTIC>                            71,390
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         11,389