<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                         839,579
<INT-BEARING-DEPOSITS>                          27,051
<FED-FUNDS-SOLD>                               103,245
<TRADING-ASSETS>                                67,878
<INVESTMENTS-HELD-FOR-SALE>                  6,481,515
<INVESTMENTS-CARRYING>                         147,799
<INVESTMENTS-MARKET>                           151,581
<LOANS>                                     20,289,955
<ALLOWANCE>                                    263,943
<TOTAL-ASSETS>                              29,177,600
<DEPOSITS>                                  20,210,116
<SHORT-TERM>                                 3,015,177
<LIABILITIES-OTHER>                            431,712
<LONG-TERM>                                  3,282,958
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       680,258
<OTHER-SE>                                   1,557,379
<TOTAL-LIABILITIES-AND-EQUITY>              29,177,600
<INTEREST-LOAN>                              1,713,299
<INTEREST-INVEST>                              406,977
<INTEREST-OTHER>                                 2,664
<INTEREST-TOTAL>                             2,122,940
<INTEREST-DEPOSIT>                             736,256
<INTEREST-EXPENSE>                           1,023,415
<INTEREST-INCOME-NET>                        1,099,525
<LOAN-LOSSES>                                   89,850
<SECURITIES-GAINS>                               2,276
<EXPENSE-OTHER>                                937,150
<INCOME-PRETAX>                                547,439
<INCOME-PRE-EXTRAORDINARY>                     359,942
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   359,942
<EPS-PRIMARY>                                     2.65
<EPS-DILUTED>                                     2.60
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                     88,389
<LOANS-PAST>                                    46,999
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               230,070
<CHARGE-OFFS>                                   90,637
<RECOVERIES>                                    17,147
<ALLOWANCE-CLOSE>                              263,943
<ALLOWANCE-DOMESTIC>                           263,943
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         42,231