<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                         582,612
<INT-BEARING-DEPOSITS>                           1,172
<FED-FUNDS-SOLD>                               118,977
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,201,344
<INVESTMENTS-CARRYING>                         153,969
<INVESTMENTS-MARKET>                           159,886
<LOANS>                                     13,812,485
<ALLOWANCE>                                    172,158
<TOTAL-ASSETS>                              20,492,929
<DEPOSITS>                                  14,684,056
<SHORT-TERM>                                 2,491,285
<LIABILITIES-OTHER>                            259,590
<LONG-TERM>                                  1,383,935
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      3,669
<COMMON>                                       516,787
<OTHER-SE>                                   1,153,607
<TOTAL-LIABILITIES-AND-EQUITY>              20,492,929
<INTEREST-LOAN>                              1,233,222
<INTEREST-INVEST>                              312,423
<INTEREST-OTHER>                                 2,531
<INTEREST-TOTAL>                             1,548,176
<INTEREST-DEPOSIT>                             557,149
<INTEREST-EXPENSE>                             806,627
<INTEREST-INCOME-NET>                          741,549
<LOAN-LOSSES>                                   31,400
<SECURITIES-GAINS>                            (18,600)
<EXPENSE-OTHER>                                672,303
<INCOME-PRETAX>                                264,196
<INCOME-PRE-EXTRAORDINARY>                     264,196
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   178,133
<EPS-PRIMARY>                                     1.66
<EPS-DILUTED>                                     1.64
<YIELD-ACTUAL>                                    4.05
<LOANS-NON>                                     61,489
<LOANS-PAST>                                    29,094
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               171,734
<CHARGE-OFFS>                                   42,475
<RECOVERIES>                                    11,499
<ALLOWANCE-CLOSE>                              172,158
<ALLOWANCE-DOMESTIC>                           172,158
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         27,545