<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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                       1,232,875
<INT-BEARING-DEPOSITS>                       1,905,427
<FED-FUNDS-SOLD>                               361,300
<TRADING-ASSETS>                                 3,286
<INVESTMENTS-HELD-FOR-SALE>                  5,795,950
<INVESTMENTS-CARRYING>                         504,093
<INVESTMENTS-MARKET>                           523,871
<LOANS>                                     10,405,194
<ALLOWANCE>                                    147,380
<TOTAL-ASSETS>                              21,751,177
<DEPOSITS>                                  13,267,850
<SHORT-TERM>                                 6,215,908
<LIABILITIES-OTHER>                            436,222
<LONG-TERM>                                    337,544
<COMMON>                                        94,966
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    120,000
<OTHER-SE>                                   1,278,687
<TOTAL-LIABILITIES-AND-EQUITY>              21,751,177 
<INTEREST-LOAN>                                333,244
<INTEREST-INVEST>                              184,995
<INTEREST-OTHER>                                52,811
<INTEREST-TOTAL>                               571,050
<INTEREST-DEPOSIT>                             221,144
<INTEREST-EXPENSE>                             382,141
<INTEREST-INCOME-NET>                          188,909
<LOAN-LOSSES>                                    9,000
<SECURITIES-GAINS>                                 374
<EXPENSE-OTHER>                                375,588
<INCOME-PRETAX>                                187,203
<INCOME-PRE-EXTRAORDINARY>                     187,203
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   124,949
<EPS-PRIMARY>                                     2.13
<EPS-DILUTED>                                     2.12
<YIELD-ACTUAL>                                    2.21
<LOANS-NON>                                     36,225
<LOANS-PAST>                                    14,489
<LOANS-TROUBLED>                                 2,651
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               147,131
<CHARGE-OFFS>                                    9,780
<RECOVERIES>                                     1,028
<ALLOWANCE-CLOSE>                              147,380
<ALLOWANCE-DOMESTIC>                           115,843
<ALLOWANCE-FOREIGN>                              2,827
<ALLOWANCE-UNALLOCATED>                         28,710