<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 161,561 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 123,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,005,419 <INVESTMENTS-CARRYING> 351,501 <INVESTMENTS-MARKET> 318,329 <LOANS> 4,554,752 <ALLOWANCE> 55,120 <TOTAL-ASSETS> 6,360,394 <DEPOSITS> 5,051,255 <SHORT-TERM> 129,065 <LIABILITIES-OTHER> 61,693 <LONG-TERM> 564,881 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,943 <OTHER-SE> 527,557 <TOTAL-LIABILITIES-AND-EQUITY> 6,360,394 <INTEREST-LOAN> 339,438 <INTEREST-INVEST> 84,148 <INTEREST-OTHER> 3,949 <INTEREST-TOTAL> 427,535 <INTEREST-DEPOSIT> 143,512 <INTEREST-EXPENSE> 169,177 <INTEREST-INCOME-NET> 258,358 <LOAN-LOSSES> 9,120 <SECURITIES-GAINS> 2,532 <EXPENSE-OTHER> 137,946 <INCOME-PRETAX> 158,544 <INCOME-PRE-EXTRAORDINARY> 158,544 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 106,324 <EPS-BASIC> 1.75 <EPS-DILUTED> 1.73 <YIELD-ACTUAL> 4.53 <LOANS-NON> 3,482 <LOANS-PAST> 11,698 <LOANS-TROUBLED> 4,852 <LOANS-PROBLEM> 2,000 <ALLOWANCE-OPEN> 54,641 <CHARGE-OFFS> 12,131 <RECOVERIES> 3,490 <ALLOWANCE-CLOSE> 55,120 <ALLOWANCE-DOMESTIC> 41,454 <ALLOWANCE-FOREIGN> 142 <ALLOWANCE-UNALLOCATED> 13,524