<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         331,532
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<FED-FUNDS-SOLD>                                 4,485
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                         550,775
<INVESTMENTS-MARKET>                           562,940
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<ALLOWANCE>                                   (99,677)
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<DEPOSITS>                                   8,557,819
<SHORT-TERM>                                 1,671,093
<LIABILITIES-OTHER>                            117,030
<LONG-TERM>                                     26,004
<PREFERRED-MANDATORY>                                0
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<COMMON>                                           634
<OTHER-SE>                                     878,087
<TOTAL-LIABILITIES-AND-EQUITY>              11,250,667
<INTEREST-LOAN>                                602,470
<INTEREST-INVEST>                              179,816
<INTEREST-OTHER>                                 3,479
<INTEREST-TOTAL>                               785,765
<INTEREST-DEPOSIT>                             345,392
<INTEREST-EXPENSE>                             411,028
<INTEREST-INCOME-NET>                          374,737
<LOAN-LOSSES>                                   14,740
<SECURITIES-GAINS>                               6,831
<EXPENSE-OTHER>                                 61,315
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     2.49
<EPS-DILUTED>                                     2.46
<YIELD-ACTUAL>                                    7.88
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<CHARGE-OFFS>                                   17,039
<RECOVERIES>                                     5,609
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