<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 <INCOME-PRETAX> 130,016 <INCOME-PRE-EXTRAORDINARY> 130,016 <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 <LOANS-PROBLEM> 6,521 <ALLOWANCE-OPEN> 52,689 <CHARGE-OFFS> 22,611 <RECOVERIES> 4,275 <ALLOWANCE-CLOSE> 90,881 <ALLOWANCE-DOMESTIC> 71,485 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 19,396