<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AS OF JUNE 30, 1999 AND
THE CONDENSED CONSOLIDATED STATEMENT OF OPERATIONS FOR THE SIX MONTHS ENDED JUNE
30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          96,035
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               149,226
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,229,017
<INVESTMENTS-CARRYING>                       1,754,171
<INVESTMENTS-MARKET>                         1,730,714
<LOANS>                                      9,788,754
<ALLOWANCE>                                     75,382
<TOTAL-ASSETS>                              23,097,346
<DEPOSITS>                                   9,626,097
<SHORT-TERM>                                   450,000
<LIABILITIES-OTHER>                            405,516
<LONG-TERM>                                 11,275,739
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,000
<COMMON>                                           555
<OTHER-SE>                                   1,337,439
<TOTAL-LIABILITIES-AND-EQUITY>              23,097,346
<INTEREST-LOAN>                                339,877
<INTEREST-INVEST>                              398,231
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               738,108
<INTEREST-DEPOSIT>                             179,607
<INTEREST-EXPENSE>                             465,523
<INTEREST-INCOME-NET>                          272,585
<LOAN-LOSSES>                                    2,093
<SECURITIES-GAINS>                                 714
<EXPENSE-OTHER>                                 15,082
<INCOME-PRETAX>                                188,695
<INCOME-PRE-EXTRAORDINARY>                     109,176
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   109,176
<EPS-BASIC>                                       2.05
<EPS-DILUTED>                                     1.99
<YIELD-ACTUAL>                                    2.51
<LOANS-NON>                                     63,162
<LOANS-PAST>                                     2,968
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,796
<ALLOWANCE-OPEN>                                74,403
<CHARGE-OFFS>                                    3,165
<RECOVERIES>                                     2,051
<ALLOWANCE-CLOSE>                               75,382
<ALLOWANCE-DOMESTIC>                            75,382
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0