<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 1,138,820 <INT-BEARING-DEPOSITS> 71,214 <FED-FUNDS-SOLD> 225,786 <TRADING-ASSETS> 93,221 <INVESTMENTS-HELD-FOR-SALE> 10,482,044 <INVESTMENTS-CARRYING> 97,122 <INVESTMENTS-MARKET> 98,070 <LOANS> 29,197,455 <ALLOWANCE> 387,963 <TOTAL-ASSETS> 43,480,996 <DEPOSITS> 27,251,142 <SHORT-TERM> 6,875,290 <LIABILITIES-OTHER> 663,671 <LONG-TERM> 5,491,734 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,655,851 <OTHER-SE> 1,543,308 <TOTAL-LIABILITIES-AND-EQUITY> 43,480,996 <INTEREST-LOAN> 2,429,750 <INTEREST-INVEST> 673,330 <INTEREST-OTHER> 12,700 <INTEREST-TOTAL> 3,115,780 <INTEREST-DEPOSIT> 960,959 <INTEREST-EXPENSE> 1,534,065 <INTEREST-INCOME-NET> 1,581,715 <LOAN-LOSSES> 92,097 <SECURITIES-GAINS> (5,131) <EXPENSE-OTHER> 1,346,904 <INCOME-PRETAX> 904,070 <INCOME-PRE-EXTRAORDINARY> 612,847 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 612,847 <EPS-BASIC> 1.86 <EPS-DILUTED> 1.83 <YIELD-ACTUAL> 4.27 <LOANS-NON> 103,487 <LOANS-PAST> 54,244 <LOANS-TROUBLED> 1,094 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 361,869 <CHARGE-OFFS> 104,464 <RECOVERIES> 28,884 <ALLOWANCE-CLOSE> 387,963 <ALLOWANCE-DOMESTIC> 387,963 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 102,394