<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>                   9-MOS
<FISCAL-YEAR-END>                        DEC-31-1996
<PERIOD-START>                           JAN-01-1996  
<PERIOD-END>                             SEP-30-1996  
<CASH>                                     1,068,652  
<INT-BEARING-DEPOSITS>                     1,312,314   
<FED-FUNDS-SOLD>                           1,026,790   
<TRADING-ASSETS>                               8,991  
<INVESTMENTS-HELD-FOR-SALE>                5,318,204   
<INVESTMENTS-CARRYING>                       500,641   
<INVESTMENTS-MARKET>                         520,016   
<LOANS>                                   10,909,180  
<ALLOWANCE>                                  147,386   
<TOTAL-ASSETS>                            21,360,117   
<DEPOSITS>                                13,438,643  
<SHORT-TERM>                               5,497,350  
<LIABILITIES-OTHER>                          469,830  
<LONG-TERM>                                  437,487   
<COMMON>                                      94,966  
<PREFERRED-MANDATORY>                              0  
<PREFERRED>                                  120,000    
<OTHER-SE>                                 1,301,841  
<TOTAL-LIABILITIES-AND-EQUITY>            21,360,117  
<INTEREST-LOAN>                              510,116  
<INTEREST-INVEST>                            272,158  
<INTEREST-OTHER>                              78,586  
<INTEREST-TOTAL>                             860,860   
<INTEREST-DEPOSIT>                           333,761   
<INTEREST-EXPENSE>                           573,194  
<INTEREST-INCOME-NET>                        287,666  
<LOAN-LOSSES>                                 11,500  
<SECURITIES-GAINS>                               344  
<EXPENSE-OTHER>                              566,859   
<INCOME-PRETAX>                              286,451  
<INCOME-PRE-EXTRAORDINARY>                   286,451   
<EXTRAORDINARY>                                    0  
<CHANGES>                                          0  
<NET-INCOME>                                 191,401  
<EPS-PRIMARY>                                   3.27 
<EPS-DILUTED>                                   3.25   
<YIELD-ACTUAL>                                  2.23  
<LOANS-NON>                                   30,690  
<LOANS-PAST>                                  21,085   
<LOANS-TROUBLED>                               2,618  
<LOANS-PROBLEM>                                    0  
<ALLOWANCE-OPEN>                             147,131  
<CHARGE-OFFS>                                 12,587  
<RECOVERIES>                                   1,342  
<ALLOWANCE-CLOSE>                            147,386   
<ALLOWANCE-DOMESTIC>                         108,328  
<ALLOWANCE-FOREIGN>                            2,741   
<ALLOWANCE-UNALLOCATED>                       36,317