<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>                        318,909
<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>                                   1.09<F1>
<EPS-DILUTED>                                   1.06<F1>
<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
<FN>
<F1> Also reflects two-for-one stock split in December 1996
</FN>