<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                         669,478
<INT-BEARING-DEPOSITS>                           3,877
<FED-FUNDS-SOLD>                                25,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,390,266
<INVESTMENTS-CARRYING>                       1,838,277
<INVESTMENTS-MARKET>                         1,804,913
<LOANS>                                     13,370,959
<ALLOWANCE>                                    174,189
<TOTAL-ASSETS>                              19,892,337
<DEPOSITS>                                  14,519,612
<SHORT-TERM>                                 2,690,365
<LIABILITIES-OTHER>                            285,805
<LONG-TERM>                                    902,047
<COMMON>                                       510,914
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      3,850
<OTHER-SE>                                     979,744
<TOTAL-LIABILITIES-AND-EQUITY>              19,892,337
<INTEREST-LOAN>                                293,379
<INTEREST-INVEST>                               74,602
<INTEREST-OTHER>                                   656
<INTEREST-TOTAL>                               368,637
<INTEREST-DEPOSIT>                             130,134
<INTEREST-EXPENSE>                             185,816
<INTEREST-INCOME-NET>                          182,821
<LOAN-LOSSES>                                    7,000
<SECURITIES-GAINS>                            (19,845)
<EXPENSE-OTHER>                                228,956
<INCOME-PRETAX>                               (16,898)
<INCOME-PRE-EXTRAORDINARY>                    (16,898)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (12,553)
<EPS-PRIMARY>                                   (0.13)
<EPS-DILUTED>                                   (0.13)
<YIELD-ACTUAL>                                    4.14
<LOANS-NON>                                     18,451
<LOANS-PAST>                                    21,653
<LOANS-TROUBLED>                                   623
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               171,734
<CHARGE-OFFS>                                    7,094
<RECOVERIES>                                     2,549
<ALLOWANCE-CLOSE>                              174,189
<ALLOWANCE-DOMESTIC>                           174,189
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         27,870