<ARTICLE> 9
<LEGEND>
This schedule contains Summary Financial Information extracted from the Form
10-K dated 12-31-95 and is qualified in its entirety by reference to such Form
10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                       1,207,062
<INT-BEARING-DEPOSITS>                          49,349
<FED-FUNDS-SOLD>                               220,388
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     16,076,942
<ALLOWANCE>                                    241,182
<TOTAL-ASSETS>                              23,600,095
<DEPOSITS>                                  19,342,467
<SHORT-TERM>                                 1,649,965
<LIABILITIES-OTHER>                            289,367
<LONG-TERM>                                    490,315
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       632,839
<OTHER-SE>                                   1,195,142
<TOTAL-LIABILITIES-AND-EQUITY>              23,600,095
<INTEREST-LOAN>                              1,473,210
<INTEREST-INVEST>                              317,462
<INTEREST-OTHER>                                 5,852
<INTEREST-TOTAL>                             1,796,524
<INTEREST-DEPOSIT>                             725,161
<INTEREST-EXPENSE>                             147,367
<INTEREST-INCOME-NET>                          923,996
<LOAN-LOSSES>                                   91,488
<SECURITIES-GAINS>                                  62
<EXPENSE-OTHER>                                815,271
<INCOME-PRETAX>                                363,337
<INCOME-PRE-EXTRAORDINARY>                     236,708
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   236,708
<EPS-PRIMARY>                                     3.73
<EPS-DILUTED>                                     3.73
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                    104,174
<LOANS-PAST>                                    28,124
<LOANS-TROUBLED>                                12,327
<LOANS-PROBLEM>                                 17,660
<ALLOWANCE-OPEN>                               228,115
<CHARGE-OFFS>                                  135,359
<RECOVERIES>                                    56,938
<ALLOWANCE-CLOSE>                              241,182
<ALLOWANCE-DOMESTIC>                           187,343
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         53,839