<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