<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-31-1996
<PERIOD-START>                              JAN-01-1996  
<PERIOD-END>                                MAR-31-1996
<CASH>                                        1,125,674
<INT-BEARING-DEPOSITS>                        1,828,937
<FED-FUNDS-SOLD>                                118,779
<TRADING-ASSETS>                                  6,924
<INVESTMENTS-HELD-FOR-SALE>                   5,590,435      
<INVESTMENTS-CARRYING>                          489,905
<INVESTMENTS-MARKET>                            513,095
<LOANS>                                      10,025,613
<ALLOWANCE>                                     147,239
<TOTAL-ASSETS>                               20,301,720 
<DEPOSITS>                                   12,100,479
<SHORT-TERM>                                  5,985,835
<LIABILITIES-OTHER>                             405,780
<LONG-TERM>                                     341,066
<COMMON>                                         94,966
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                     120,000
<OTHER-SE>                                    1,253,594
<TOTAL-LIABILITIES-AND-EQUITY>               20,301,720
<INTEREST-LOAN>                                 163,896
<INTEREST-INVEST>                                93,487
<INTEREST-OTHER>                                 27,552
<INTEREST-TOTAL>                                284,935
<INTEREST-DEPOSIT>                              111,486
<INTEREST-EXPENSE>                              191,547
<INTEREST-INCOME-NET>                            93,388
<LOAN-LOSSES>                                     5,000
<SECURITIES-GAINS>                                  272
<EXPENSE-OTHER>                                 184,044
<INCOME-PRETAX>                                  92,056
<INCOME-PRE-EXTRAORDINARY>                       92,056
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     61,541
<EPS-PRIMARY>                                      1.05
<EPS-DILUTED>                                      1.04
<YIELD-ACTUAL>                                     2.21
<LOANS-NON>                                      27,877
<LOANS-PAST>                                     36,916
<LOANS-TROUBLED>                                  2,712
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                147,131
<CHARGE-OFFS>                                     5,691
<RECOVERIES>                                        799
<ALLOWANCE-CLOSE>                               147,239
<ALLOWANCE-DOMESTIC>                            110,180
<ALLOWANCE-FOREIGN>                               2,729
<ALLOWANCE-UNALLOCATED>                          34,330