<ARTICLE> 9
<LEGEND>
Article 9 Financial Data Schedule for Form 10-Q for the nine-month period ended
September 30, 1999.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         517,461
<INT-BEARING-DEPOSITS>                             747
<FED-FUNDS-SOLD>                               517,381
<TRADING-ASSETS>                               555,007
<INVESTMENTS-HELD-FOR-SALE>                  1,742,508
<INVESTMENTS-CARRYING>                         210,943
<INVESTMENTS-MARKET>                           209,925
<LOANS>                                     17,155,460
<ALLOWANCE>                                    314,965
<TOTAL-ASSETS>                              21,759,301
<DEPOSITS>                                  15,416,516
<SHORT-TERM>                                 1,830,031
<LIABILITIES-OTHER>                            920,689
<LONG-TERM>                                  1,774,897
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,508
<OTHER-SE>                                   1,776,660
<TOTAL-LIABILITIES-AND-EQUITY>              21,759,301
<INTEREST-LOAN>                                973,002
<INTEREST-INVEST>                               97,924
<INTEREST-OTHER>                                17,996
<INTEREST-TOTAL>                             1,088,922
<INTEREST-DEPOSIT>                             372,027
<INTEREST-EXPENSE>                             526,468
<INTEREST-INCOME-NET>                          562,454
<LOAN-LOSSES>                                   30,500
<SECURITIES-GAINS>                               1,575
<EXPENSE-OTHER>                                429,911
<INCOME-PRETAX>                                314,064
<INCOME-PRE-EXTRAORDINARY>                     199,508
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   199,508
<EPS-BASIC>                                      25.57
<EPS-DILUTED>                                    24.63
<YIELD-ACTUAL>                                    4.03
<LOANS-NON>                                     77,716
<LOANS-PAST>                                    29,618
<LOANS-TROUBLED>                                 8,958
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               306,347
<CHARGE-OFFS>                                   41,044
<RECOVERIES>                                    13,526
<ALLOWANCE-CLOSE>                              314,965
<ALLOWANCE-DOMESTIC>                           216,452
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         98,513