<ARTICLE> 9
<LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
         THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME
         AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
         STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                               
<PERIOD-TYPE>                     3-MOS
<FISCAL-YEAR-END>                           DEC-31-1995
<PERIOD-START>                              JAN-01-1995
<PERIOD-END>                                MAR-31-1995
<CASH>                                        1,180,751
<INT-BEARING-DEPOSITS>                        1,767,701
<FED-FUNDS-SOLD>                                176,307
<TRADING-ASSETS>                                 57,927
<INVESTMENTS-HELD-FOR-SALE>                   4,821,966
<INVESTMENTS-CARRYING>                          615,238
<INVESTMENTS-MARKET>                            643,418
<LOANS>                                       8,875,675
<ALLOWANCE>                                     145,805
<TOTAL-ASSETS>                               18,736,122
<DEPOSITS>                                   11,609,927
<SHORT-TERM>                                  4,787,366
<LIABILITIES-OTHER>                             628,944
<LONG-TERM>                                     361,791
<COMMON>                                         93,324
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                     170,000
<OTHER-SE>                                    1,084,770
<TOTAL-LIABILITIES-AND-EQUITY>               18,736,122
<INTEREST-LOAN>                                 145,688
<INTEREST-INVEST>                                84,675
<INTEREST-OTHER>                                 30,860
<INTEREST-TOTAL>                                261,223
<INTEREST-DEPOSIT>                              108,087
<INTEREST-EXPENSE>                              172,697
<INTEREST-INCOME-NET>                            88,526
<LOAN-LOSSES>                                     1,500
<SECURITIES-GAINS>                                  119
<EXPENSE-OTHER>                                 177,336
<INCOME-PRETAX>                                  71,277
<INCOME-PRE-EXTRAORDINARY>                       49,321
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     49,321
<EPS-PRIMARY>                                       .86
<EPS-DILUTED>                                       .85
<YIELD-ACTUAL>                                     2.19
<LOANS-NON>                                      21,047
<LOANS-PAST>                                     11,629
<LOANS-TROUBLED>                                  2,800
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                144,838
<CHARGE-OFFS>                                     2,698
<RECOVERIES>                                      1,114
<ALLOWANCE-CLOSE>                               145,805
<ALLOWANCE-DOMESTIC>                            108,952
<ALLOWANCE-FOREIGN>                               2,773
<ALLOWANCE-UNALLOCATED>                          34,080