<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>                                   2.27
<EPS-DILUTED>                                   2.21
<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