<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 2,787,242 <INT-BEARING-DEPOSITS> 2,490,772 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 33,173,189 <INVESTMENTS-CARRYING> 420,147 <INVESTMENTS-MARKET> 420,147 <LOANS> 210,135,876 <ALLOWANCE> 1,438,687 <TOTAL-ASSETS> 255,892,691 <DEPOSITS> 126,360,813 <SHORT-TERM> 56,005,577 <LIABILITIES-OTHER> 1,759,133 <LONG-TERM> 45,400,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 26,407 <OTHER-SE> 26,340,761 <TOTAL-LIABILITIES-AND-EQUITY> 255,892,691 <INTEREST-LOAN> 8,531,780 <INTEREST-INVEST> 1,127,503 <INTEREST-OTHER> 113,820 <INTEREST-TOTAL> 9,773,103 <INTEREST-DEPOSIT> 3,270,957 <INTEREST-EXPENSE> 5,985,317 <INTEREST-INCOME-NET> 3,787,786 <LOAN-LOSSES> 382,500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,332,700 <INCOME-PRETAX> 1,527,271 <INCOME-PRE-EXTRAORDINARY> 1,023,573 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,023,573 <EPS-BASIC> 0.64 <EPS-DILUTED> 0.63 <YIELD-ACTUAL> 3.08 <LOANS-NON> 1,352,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 25,800 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,766,700 <CHARGE-OFFS> 739,800 <RECOVERIES> 29,300 <ALLOWANCE-CLOSE> 1,438,687 <ALLOWANCE-DOMESTIC> 1,438,687 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0