<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-31-1996
<PERIOD-START>                           JAN-01-1996
<PERIOD-END>                             MAR-31-1996
<CASH>                                     1,125,674
<INT-BEARING-DEPOSITS>                     1,828,937
<FED-FUNDS-SOLD>                             118,779
<TRADING-ASSETS>                               6,924
<INVESTMENTS-HELD-FOR-SALE>                5,590,435
<INVESTMENTS-CARRYING>                       489,905
<INVESTMENTS-MARKET>                         513,095
<LOANS>                                   10,025,613
<ALLOWANCE>                                  147,239
<TOTAL-ASSETS>                            20,301,720
<DEPOSITS>                                12,100,479
<SHORT-TERM>                               5,985,835
<LIABILITIES-OTHER>                          405,780
<LONG-TERM>                                  341,066
<COMMON>                                      94,966
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                  120,000
<OTHER-SE>                                 1,253,594
<TOTAL-LIABILITIES-AND-EQUITY>            20,301,720
<INTEREST-LOAN>                              163,896
<INTEREST-INVEST>                             93,487
<INTEREST-OTHER>                              27,552
<INTEREST-TOTAL>                             284,935 
<INTEREST-DEPOSIT>                           111,486
<INTEREST-EXPENSE>                           191,547
<INTEREST-INCOME-NET>                         93,388
<LOAN-LOSSES>                                  5,000
<SECURITIES-GAINS>                               272
<EXPENSE-OTHER>                              184,044
<INCOME-PRETAX>                               92,056
<INCOME-PRE-EXTRAORDINARY>                    92,056
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                  61,541
<EPS-PRIMARY>                                    .54<F1>
<EPS-DILUTED>                                    .52<F1>
<YIELD-ACTUAL>                                  2.21
<LOANS-NON>                                   27,877
<LOANS-PAST>                                  36,916
<LOANS-TROUBLED>                               2,712
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                             147,131
<CHARGE-OFFS>                                  5,691
<RECOVERIES>                                     799
<ALLOWANCE-CLOSE>                            147,239
<ALLOWANCE-DOMESTIC>                         110,180
<ALLOWANCE-FOREIGN>                            2,729
<ALLOWANCE-UNALLOCATED>                       34,330

<FN>
<F1> Also reflects two-for-one stock split in December 1996
</FN>