<ARTICLE>                     9
<MULTIPLIER>                    1,000
<CURRENCY>                      Dollars
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<EXCHANGE-RATE>                            1
<CASH>                                         189,101
<INT-BEARING-DEPOSITS>                          12,611
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,029,524
<INVESTMENTS-CARRYING>                       2,871,815
<INVESTMENTS-MARKET>                         2,898,609
<LOANS>                                      9,946,336
<ALLOWANCE>                                   (90,881)
<TOTAL-ASSETS>                              14,336,283
<DEPOSITS>                                   7,889,921
<SHORT-TERM>                                 4,633,714
<LIABILITIES-OTHER>                            176,560
<LONG-TERM>                                    857,841
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     96,276
<COMMON>                                       351,337
<OTHER-SE>                                     330,634
<TOTAL-LIABILITIES-AND-EQUITY>              14,336,283
<INTEREST-LOAN>                                667,969
<INTEREST-INVEST>                              292,759
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               960,728
<INTEREST-DEPOSIT>                             320,567
<INTEREST-EXPENSE>                             619,879
<INTEREST-INCOME-NET>                          340,849
<LOAN-LOSSES>                                   37,199
<SECURITIES-GAINS>                               6,987
<EXPENSE-OTHER>                                 48,776
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    71,396
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    2.68
<LOANS-NON>                                     80,416
<LOANS-PAST>                                     6,672
<LOANS-TROUBLED>                                   327
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<RECOVERIES>                                     4,275
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<ALLOWANCE-DOMESTIC>                            71,485
<ALLOWANCE-FOREIGN>                                  0 
<ALLOWANCE-UNALLOCATED>                         19,396