<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AS OF MARCH 31, 1998 AND
THE CONDENSED CONSOLIDATED STATEMENT OF OPERATIONS FOR THE THREE MONTHS ENDED
MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          24,535
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               158,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,905,483
<INVESTMENTS-CARRYING>                       2,589,064
<INVESTMENTS-MARKET>                         2,599,229
<LOANS>                                      4,644,727
<ALLOWANCE>                                     39,708
<TOTAL-ASSETS>                              10,895,609
<DEPOSITS>                                   6,205,643
<SHORT-TERM>                                   368,318
<LIABILITIES-OTHER>                            129,713
<LONG-TERM>                                  3,275,086
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,000
<COMMON>                                           265
<OTHER-SE>                                     914,584
<TOTAL-LIABILITIES-AND-EQUITY>              10,895,609
<INTEREST-LOAN>                                 86,020
<INTEREST-INVEST>                               98,910
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               184,930
<INTEREST-DEPOSIT>                              63,995
<INTEREST-EXPENSE>                              51,075
<INTEREST-INCOME-NET>                           69,860
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                               2,037
<EXPENSE-OTHER>                                  4,267
<INCOME-PRETAX>                                 38,792
<INCOME-PRE-EXTRAORDINARY>                      22,269
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    22,269
<EPS-PRIMARY>                                     0.84
<EPS-DILUTED>                                     0.80
<YIELD-ACTUAL>                                    2.72
<LOANS-NON>                                     36,146
<LOANS-PAST>                                     6,019
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,345
<ALLOWANCE-OPEN>                                40,039
<CHARGE-OFFS>                                      913
<RECOVERIES>                                       282
<ALLOWANCE-CLOSE>                               39,708
<ALLOWANCE-DOMESTIC>                            39,708
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0