<ARTICLE> 9
<LEGEND> This schedule contains summary financial information extracted from 
the Consolidated Statement of Condition and the Consolidated Statement of 
Income and is qualified in its entirety by reference to such financial 
statements. 
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. Dollars
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               SEP-30-1994
<EXCHANGE-RATE>                                      1
<CASH>                                       1,309,934
<INT-BEARING-DEPOSITS>                       2,121,014
<FED-FUNDS-SOLD>                               193,122
<TRADING-ASSETS>                                60,015
<INVESTMENTS-HELD-FOR-SALE>                  4,840,953
<INVESTMENTS-CARRYING>                         590,487
<INVESTMENTS-MARKET>                           616,632
<LOANS>                                      8,452,580
<ALLOWANCE>                                    144,933
<TOTAL-ASSETS>                              18,669,731
<DEPOSITS>                                  11,271,076
<SHORT-TERM>                                 5,211,615
<LIABILITIES-OTHER>                            550,746
<LONG-TERM>                                    375,350
<COMMON>                                        90,601
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    170,000
<OTHER-SE>                                   1,000,343
<TOTAL-LIABILITIES-AND-EQUITY>              18,669,731
<INTEREST-LOAN>                                359,559
<INTEREST-INVEST>                              160,374
<INTEREST-OTHER>                                85,806
<INTEREST-TOTAL>                               605,739
<INTEREST-DEPOSIT>                             205,258
<INTEREST-EXPENSE>                             356,254
<INTEREST-INCOME-NET>                          249,485
<LOAN-LOSSES>                                    5,000
<SECURITIES-GAINS>                               (128)
<EXPENSE-OTHER>                                515,638
<INCOME-PRETAX>                                208,163
<INCOME-PRE-EXTRAORDINARY>                     142,100
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   142,100
<EPS-PRIMARY>                                     2.48
<EPS-DILUTED>                                     2.47
<YIELD-ACTUAL>                                    2.04
<LOANS-NON>                                     35,643
<LOANS-PAST>                                    23,852
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               145,538
<CHARGE-OFFS>                                  (8,807)
<RECOVERIES>                                     3,202
<ALLOWANCE-CLOSE>                              144,933
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0