<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 360,271 <INT-BEARING-DEPOSITS> 115,520 <FED-FUNDS-SOLD> 134,564 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,334,575 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 6,186,392 <ALLOWANCE> 87,905 <TOTAL-ASSETS> 10,102,459 <DEPOSITS> 6,981,245 <SHORT-TERM> 2,166,329 <LIABILITIES-OTHER> 92,961 <LONG-TERM> 0 <PREFERRED-MANDATORY> 100,000 <PREFERRED> 0 <COMMON> 904 <OTHER-SE> 761,020 <TOTAL-LIABILITIES-AND-EQUITY> 10,102,459 <INTEREST-LOAN> 597,975 <INTEREST-INVEST> 114,981 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 712,956 <INTEREST-DEPOSIT> 241,007 <INTEREST-EXPENSE> 106,520 <INTEREST-INCOME-NET> 347,527 <LOAN-LOSSES> 13,423 <SECURITIES-GAINS> 5,817 <EXPENSE-OTHER> 309,919 <INCOME-PRETAX> 146,882 <INCOME-PRE-EXTRAORDINARY> 146,882 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 100,590 <EPS-PRIMARY> 1.14 <EPS-DILUTED> 1.12 <YIELD-ACTUAL> 4.11 <LOANS-NON> 52,939 <LOANS-PAST> 21,574 <LOANS-TROUBLED> 65 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 89,983 <CHARGE-OFFS> 24,552 <RECOVERIES> 9,051 <ALLOWANCE-CLOSE> 87,905 <ALLOWANCE-DOMESTIC> 87,905 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0