<ARTICLE> 9 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <EXCHANGE-RATE> 1 <CASH> 398,759 <INT-BEARING-DEPOSITS> 12,718 <FED-FUNDS-SOLD> 191,071 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,161,009 <INVESTMENTS-CARRYING> 541,332 <INVESTMENTS-MARKET> 0 <LOANS> 6,844,659 <ALLOWANCE> 107,871 <TOTAL-ASSETS> 13,919,528 <DEPOSITS> 8,114,757 <SHORT-TERM> 1,645,610 <LIABILITIES-OTHER> 96,455 <LONG-TERM> 3,142,954 <PREFERRED-MANDATORY> 68,775 <PREFERRED> 0 <COMMON> 1,066 <OTHER-SE> 849,911 <TOTAL-LIABILITIES-AND-EQUITY> 13,919,528 <INTEREST-LOAN> 579,196 <INTEREST-INVEST> 328,737 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 907,935 <INTEREST-DEPOSIT> 252,195 <INTEREST-EXPENSE> 209,493 <INTEREST-INCOME-NET> 446,247 <LOAN-LOSSES> 14,100 <SECURITIES-GAINS> 281 <EXPENSE-OTHER> 346,874 <INCOME-PRETAX> 214,461 <INCOME-PRE-EXTRAORDINARY> 214,461 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 142,422 <EPS-BASIC> 1.38 <EPS-DILUTED> 1.37 <YIELD-ACTUAL> 3.67 <LOANS-NON> 44,804 <LOANS-PAST> 10,484 <LOANS-TROUBLED> 1,084 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 110,561 <CHARGE-OFFS> 23,909 <RECOVERIES> 7,119 <ALLOWANCE-CLOSE> 107,871 <ALLOWANCE-DOMESTIC> 107,871 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0