<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>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       1,292,533
<INT-BEARING-DEPOSITS>                       2,059,993
<FED-FUNDS-SOLD>                             1,022,573
<TRADING-ASSETS>                                 4,797
<INVESTMENTS-HELD-FOR-SALE>                  4,311,706
<INVESTMENTS-CARRYING>                         498,367
<INVESTMENTS-MARKET>                           518,822
<LOANS>                                     10,937,429
<ALLOWANCE>                                    148,327
<TOTAL-ASSETS>                              21,608,325
<DEPOSITS>                                  13,796,227
<SHORT-TERM>                                 5,200,474
<LIABILITIES-OTHER>                            624,939
<LONG-TERM>                                    442,553
<COMMON>                                       189,934
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    120,000
<OTHER-SE>                                   1,234,198
<TOTAL-LIABILITIES-AND-EQUITY>              21,608,325
<INTEREST-LOAN>                                693,372
<INTEREST-INVEST>                              351,456
<INTEREST-OTHER>                               106,748
<INTEREST-TOTAL>                             1,151,576 
<INTEREST-DEPOSIT>                             447,815
<INTEREST-EXPENSE>                             763,203
<INTEREST-INCOME-NET>                          388,373
<LOAN-LOSSES>                                   12,000
<SECURITIES-GAINS>                                 384
<EXPENSE-OTHER>                                766,792
<INCOME-PRETAX>                                387,421
<INCOME-PRE-EXTRAORDINARY>                     387,421
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   258,821
<EPS-PRIMARY>                                     2.21 
<EPS-DILUTED>                                     2.20
<YIELD-ACTUAL>                                    2.25
<LOANS-NON>                                     16,874
<LOANS-PAST>                                    15,163
<LOANS-TROUBLED>                                 2,618
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               147,131
<CHARGE-OFFS>                                   15,565
<RECOVERIES>                                     3,798
<ALLOWANCE-CLOSE>                              148,327
<ALLOWANCE-DOMESTIC>                            92,735
<ALLOWANCE-FOREIGN>                              2,326
<ALLOWANCE-UNALLOCATED>                         53,266