<ARTICLE> 9
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                         318,989
<INT-BEARING-DEPOSITS>                           5,913
<FED-FUNDS-SOLD>                                70,653
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,999,905
<INVESTMENTS-CARRYING>                         522,632
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      7,158,029
<ALLOWANCE>                                    107,214
<TOTAL-ASSETS>                              13,803,580
<DEPOSITS>                                   8,250,736
<SHORT-TERM>                                   308,444
<LIABILITIES-OTHER>                             91,443
<LONG-TERM>                                  3,288,524
<PREFERRED-MANDATORY>                           68,775
<PREFERRED>                                          0
<COMMON>                                         1,066
<OTHER-SE>                                     852,230
<TOTAL-LIABILITIES-AND-EQUITY>              13,803,580
<INTEREST-LOAN>                                145,812
<INTEREST-INVEST>                               95,257
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               241,069
<INTEREST-DEPOSIT>                              62,862
<INTEREST-EXPENSE>                              67,873
<INTEREST-INCOME-NET>                          110,334
<LOAN-LOSSES>                                    2,815
<SECURITIES-GAINS>                                   9
<EXPENSE-OTHER>                                 84,396
<INCOME-PRETAX>                                 58,669
<INCOME-PRE-EXTRAORDINARY>                      58,669
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    39,305
<EPS-BASIC>                                       0.39
<EPS-DILUTED>                                     0.39
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                     43,182
<LOANS-PAST>                                     6,674
<LOANS-TROUBLED>                                 1,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               107,871
<CHARGE-OFFS>                                    5,449
<RECOVERIES>                                     1,977
<ALLOWANCE-CLOSE>                              107,214
<ALLOWANCE-DOMESTIC>                           107,214
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0