<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 355,317 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,446,000 <TRADING-ASSETS> 52,971 <INVESTMENTS-HELD-FOR-SALE> 694,814 <INVESTMENTS-CARRYING> 3,898 <INVESTMENTS-MARKET> 3,898 <LOANS> 3,452,115 <ALLOWANCE> (62,649) <TOTAL-ASSETS> 6,189,180 <DEPOSITS> 5,569,647 <SHORT-TERM> 60,601 <LIABILITIES-OTHER> 101,343 <LONG-TERM> 75,767 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 224,433 <OTHER-SE> 157,389 <TOTAL-LIABILITIES-AND-EQUITY> 6,189,180 <INTEREST-LOAN> 294,623 <INTEREST-INVEST> 39,525 <INTEREST-OTHER> 25,311 <INTEREST-TOTAL> 359,459 <INTEREST-DEPOSIT> 90,666 <INTEREST-EXPENSE> 102,648 <INTEREST-INCOME-NET> 256,811 <LOAN-LOSSES> 33,375 <SECURITIES-GAINS> 173 <EXPENSE-OTHER> 216,926 <INCOME-PRETAX> 72,197 <INCOME-PRE-EXTRAORDINARY> 43,748 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 43,748 <EPS-PRIMARY> 1.03 <EPS-DILUTED> 0.99 <YIELD-ACTUAL> 5.72 <LOANS-NON> 30,615 <LOANS-PAST> 0 <LOANS-TROUBLED> 9,770 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 51,143 <CHARGE-OFFS> 23,793 <RECOVERIES> 1,924 <ALLOWANCE-CLOSE> 62,649 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0