<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>                                       1,850,551
<INT-BEARING-DEPOSITS>                          43,563
<FED-FUNDS-SOLD>                               309,914
<TRADING-ASSETS>                                18,381
<INVESTMENTS-HELD-FOR-SALE>                  4,027,124
<INVESTMENTS-CARRYING>                       5,297,625
<INVESTMENTS-MARKET>                         5,172,678
<LOANS>                                     19,271,735
<ALLOWANCE>                                    380,278
<TOTAL-ASSETS>                              32,366,716
<DEPOSITS>                                  23,652,650
<SHORT-TERM>                                 5,012,895
<LIABILITIES-OTHER>                            487,238
<LONG-TERM>                                    557,585
<PREFERRED-MANDATORY>                            1,142
<PREFERRED>                                          0
<COMMON>                                       127,664
<OTHER-SE>                                   2,527,542
<TOTAL-LIABILITIES-AND-EQUITY>              32,366,716
<INTEREST-LOAN>                                405,222
<INTEREST-INVEST>                              142,012
<INTEREST-OTHER>                                 9,095
<INTEREST-TOTAL>                               556,329
<INTEREST-DEPOSIT>                             183,669
<INTEREST-EXPENSE>                             262,008
<INTEREST-INCOME-NET>                          294,321
<LOAN-LOSSES>                                    9,798
<SECURITIES-GAINS>                                  47
<EXPENSE-OTHER>                                310,548
<INCOME-PRETAX>                                136,009
<INCOME-PRE-EXTRAORDINARY>                      85,374
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    85,374
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                      .67
<YIELD-ACTUAL>                                    4.29
<LOANS-NON>                                    105,800
<LOANS-PAST>                                    15,000
<LOANS-TROUBLED>                                 6,700
<LOANS-PROBLEM>                                486,200
<ALLOWANCE-OPEN>                               375,800
<CHARGE-OFFS>                                   15,300
<RECOVERIES>                                     9,100
<ALLOWANCE-CLOSE>                              380,300
<ALLOWANCE-DOMESTIC>                           380,300
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0