<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         108,195
<INT-BEARING-DEPOSITS>                           1,778
<FED-FUNDS-SOLD>                                21,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,995,884
<INVESTMENTS-CARRYING>                           2,406
<INVESTMENTS-MARKET>                             2,405
<LOANS>                                      1,775,713
<ALLOWANCE>                                     26,808
<TOTAL-ASSETS>                               5,274,885
<DEPOSITS>                                   3,424,956
<SHORT-TERM>                                 1,225,000
<LIABILITIES-OTHER>                             48,812
<LONG-TERM>                                    100,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,072
<OTHER-SE>                                     323,364
<TOTAL-LIABILITIES-AND-EQUITY>               5,274,885
<INTEREST-LOAN>                                117,235
<INTEREST-INVEST>                              130,773
<INTEREST-OTHER>                                   269
<INTEREST-TOTAL>                               248,277
<INTEREST-DEPOSIT>                              92,463
<INTEREST-EXPENSE>                             132,192
<INTEREST-INCOME-NET>                          116,085
<LOAN-LOSSES>                                    5,150
<SECURITIES-GAINS>                                 (16)
<EXPENSE-OTHER>                                 78,751
<INCOME-PRETAX>                                 78,465
<INCOME-PRE-EXTRAORDINARY>                      78,465
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    49,823
<EPS-BASIC>                                     3.17
<EPS-DILUTED>                                     3.11
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0