<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