<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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         948,597
<INT-BEARING-DEPOSITS>                       2,354,886
<FED-FUNDS-SOLD>                             1,219,513
<TRADING-ASSETS>                                13,677
<INVESTMENTS-HELD-FOR-SALE>                  5,328,737
<INVESTMENTS-CARRYING>                         481,744
<INVESTMENTS-MARKET>                           499,274
<LOANS>                                     11,417,312
<ALLOWANCE>                                    148,361
<TOTAL-ASSETS>                              23,231,751
<DEPOSITS>                                  15,213,809
<SHORT-TERM>                                 5,168,260
<LIABILITIES-OTHER>                            672,021
<LONG-TERM>                                    584,429
<COMMON>                                       189,935
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    120,000
<OTHER-SE>                                   1,283,297
<TOTAL-LIABILITIES-AND-EQUITY>              23,231,751
<INTEREST-LOAN>                                183,576
<INTEREST-INVEST>                               79,974
<INTEREST-OTHER>                                36,447
<INTEREST-TOTAL>                               299,997
<INTEREST-DEPOSIT>                             114,168
<INTEREST-EXPENSE>                             193,918
<INTEREST-INCOME-NET>                          106,079
<LOAN-LOSSES>                                      500
<SECURITIES-GAINS>                                 581
<EXPENSE-OTHER>                                205,940
<INCOME-PRETAX>                                108,385
<INCOME-PRE-EXTRAORDINARY>                      71,748
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    71,748
<EPS-PRIMARY>                                      .62
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                    2.33
<LOANS-NON>                                     19,061
<LOANS-PAST>                                    28,144
<LOANS-TROUBLED>                                 2,567
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               148,327
<CHARGE-OFFS>                                    2,153
<RECOVERIES>                                     1,687
<ALLOWANCE-CLOSE>                              148,361
<ALLOWANCE-DOMESTIC>                            97,439
<ALLOWANCE-FOREIGN>                              2,095
<ALLOWANCE-UNALLOCATED>                         48,827