<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                           4,978,116
<INT-BEARING-DEPOSITS>                               7,973
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      2,017,016
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         55,989,415
<ALLOWANCE>                                      (824,145)
<TOTAL-ASSETS>                                  65,722,553
<DEPOSITS>                                      57,555,151
<SHORT-TERM>                                     1,760,000
<LIABILITIES-OTHER>                                420,214
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                           633,298
<OTHER-SE>                                       5,353,890
<TOTAL-LIABILITIES-AND-EQUITY>                  65,722,553
<INTEREST-LOAN>                                  3,467,835
<INTEREST-INVEST>                                  104,645
<INTEREST-OTHER>                                    50,979
<INTEREST-TOTAL>                                 3,623,459
<INTEREST-DEPOSIT>                               1,430,686
<INTEREST-EXPENSE>                               1,450,938
<INTEREST-INCOME-NET>                            2,172,521
<LOAN-LOSSES>                                      317,460
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,813,282
<INCOME-PRETAX>                                    410,782
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       814,409
<EPS-BASIC>                                           1.29
<EPS-DILUTED>                                         1.29
<YIELD-ACTUAL>                                        5.54
<LOANS-NON>                                        408,321
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   582,806
<CHARGE-OFFS>                                       22,122
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                  824,145
<ALLOWANCE-DOMESTIC>                               818,120
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              6,025