<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Condensed Consolidated Statement of Financial Condition as of March 31, 2000 and
the Condensed Consolidated Statement of Income for the three months ended March
31, 2000 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                         117,972
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               405,176
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,524,619
<INVESTMENTS-CARRYING>                       1,871,141
<INVESTMENTS-MARKET>                         1,798,385
<LOANS>                                     10,551,975
<ALLOWANCE>                                     77,373
<TOTAL-ASSETS>                              22,589,769
<DEPOSITS>                                   9,780,901
<SHORT-TERM>                                   339,673
<LIABILITIES-OTHER>                            419,686
<LONG-TERM>                                 10,670,175
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,000
<COMMON>                                           555
<OTHER-SE>                                   1,251,779
<TOTAL-LIABILITIES-AND-EQUITY>              22,589,769
<INTEREST-LOAN>                                188,006
<INTEREST-INVEST>                              190,513
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               378,519
<INTEREST-DEPOSIT>                              96,098
<INTEREST-EXPENSE>                             246,317
<INTEREST-INCOME-NET>                          132,202
<LOAN-LOSSES>                                    1,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,403
<INCOME-PRETAX>                                 91,395
<INCOME-PRE-EXTRAORDINARY>                      55,497
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    55,497
<EPS-BASIC>                                       1.11
<EPS-DILUTED>                                     1.09
<YIELD-ACTUAL>                                    2.40
<LOANS-NON>                                     45,268
<LOANS-PAST>                                     1,913
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,248
<ALLOWANCE-OPEN>                                76,578
<CHARGE-OFFS>                                    1,195
<RECOVERIES>                                       990
<ALLOWANCE-CLOSE>                               77,373
<ALLOWANCE-DOMESTIC>                            77,373
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0