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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         114,328
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               127,209
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  9,554,949
<INVESTMENTS-CARRYING>                       1,960,656
<INVESTMENTS-MARKET>                         1,910,432
<LOANS>                                     10,046,038
<ALLOWANCE>                                     74,332
<TOTAL-ASSETS>                              22,863,758
<DEPOSITS>                                   9,440,223
<SHORT-TERM>                                   400,000
<LIABILITIES-OTHER>                            400,220
<LONG-TERM>                                 11,264,572
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,000
<COMMON>                                           555
<OTHER-SE>                                   1,356,188
<TOTAL-LIABILITIES-AND-EQUITY>              22,863,758
<INTEREST-LOAN>                                516,811
<INTEREST-INVEST>                              599,744
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,116,555
<INTEREST-DEPOSIT>                             271,103
<INTEREST-EXPENSE>                             710,733
<INTEREST-INCOME-NET>                          405,822
<LOAN-LOSSES>                                    3,119
<SECURITIES-GAINS>                                 714
<EXPENSE-OTHER>                                 21,944
<INCOME-PRETAX>                                303,638
<INCOME-PRE-EXTRAORDINARY>                     176,124
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   176,124
<EPS-BASIC>                                       3.32
<EPS-DILUTED>                                     3.24
<YIELD-ACTUAL>                                    2.47
<LOANS-NON>                                     54,651
<LOANS-PAST>                                     2,877
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  6,397
<ALLOWANCE-OPEN>                                74,403
<CHARGE-OFFS>                                    5,807
<RECOVERIES>                                     2,617
<ALLOWANCE-CLOSE>                               74,332
<ALLOWANCE-DOMESTIC>                            74,332
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0