<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AS OF MARCH 31, 1999 AND
THE CONDENSED CONSOLIDATED STATEMENT OF OPERATIONS FOR THE THREE MONTHS ENDED
MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          97,971
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               133,259
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,335,357
<INVESTMENTS-CARRYING>                       1,967,559
<INVESTMENTS-MARKET>                         1,979,477
<LOANS>                                      9,457,881
<ALLOWANCE>                                     75,234
<TOTAL-ASSETS>                              23,001,878
<DEPOSITS>                                   9,669,340
<SHORT-TERM>                                    50,000
<LIABILITIES-OTHER>                            429,985
<LONG-TERM>                                 11,390,420
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,000
<COMMON>                                           553
<OTHER-SE>                                   1,459,580
<TOTAL-LIABILITIES-AND-EQUITY>              23,001,878
<INTEREST-LOAN>                                167,164
<INTEREST-INVEST>                              193,731
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               360,895
<INTEREST-DEPOSIT>                              89,566
<INTEREST-EXPENSE>                             225,100
<INTEREST-INCOME-NET>                          135,795
<LOAN-LOSSES>                                    1,061
<SECURITIES-GAINS>                               (125)
<EXPENSE-OTHER>                                  7,681
<INCOME-PRETAX>                                 93,418
<INCOME-PRE-EXTRAORDINARY>                      53,454
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    53,454
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     0.97
<YIELD-ACTUAL>                                    2.57
<LOANS-NON>                                     83,774
<LOANS-PAST>                                     3,356
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,450
<ALLOWANCE-OPEN>                                74,403
<CHARGE-OFFS>                                    1,325
<RECOVERIES>                                     1,095
<ALLOWANCE-CLOSE>                               75,234
<ALLOWANCE-DOMESTIC>                            75,234
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0