<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