<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         376,741
<INT-BEARING-DEPOSITS>                          47,713
<FED-FUNDS-SOLD>                                20,926
<TRADING-ASSETS>                                56,040
<INVESTMENTS-HELD-FOR-SALE>                  1,543,855
<INVESTMENTS-CARRYING>                         149,450
<INVESTMENTS-MARKET>                           149,862
<LOANS>                                     11,177,030
<ALLOWANCE>                                    273,573
<TOTAL-ASSETS>                              13,122,232
<DEPOSITS>                                  10,533,365
<SHORT-TERM>                                 1,140,079
<LIABILITIES-OTHER>                            208,645
<LONG-TERM>                                    327,960
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,487
<OTHER-SE>                                     871,696
<TOTAL-LIABILITIES-AND-EQUITY>              13,122,232
<INTEREST-LOAN>                                229,575
<INTEREST-INVEST>                               24,856
<INTEREST-OTHER>                                 1,335
<INTEREST-TOTAL>                               255,766
<INTEREST-DEPOSIT>                             100,164
<INTEREST-EXPENSE>                             119,321
<INTEREST-INCOME-NET>                          136,445
<LOAN-LOSSES>                                   11,000
<SECURITIES-GAINS>                                (45)
<EXPENSE-OTHER>                                104,284
<INCOME-PRETAX>                                 67,084
<INCOME-PRE-EXTRAORDINARY>                      41,259
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    41,259
<EPS-PRIMARY>                                     5.81
<EPS-DILUTED>                                     5.80
<YIELD-ACTUAL>                                    4.48
<LOANS-NON>                                     57,366
<LOANS-PAST>                                    36,857
<LOANS-TROUBLED>                                 2,741
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               270,466
<CHARGE-OFFS>                                   13,653
<RECOVERIES>                                     5,760
<ALLOWANCE-CLOSE>                              273,573
<ALLOWANCE-DOMESTIC>                           144,574
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        128,999