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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                         278,761
<INT-BEARING-DEPOSITS>                          21,675
<FED-FUNDS-SOLD>                               161,659
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,412,505
<INVESTMENTS-CARRYING>                         565,783
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      6,691,169
<ALLOWANCE>                                    110,788
<TOTAL-ASSETS>                              13,880,864
<DEPOSITS>                                   8,102,441
<SHORT-TERM>                                 4,802,776
<LIABILITIES-OTHER>                             54,739
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           68,775
<PREFERRED>                                          0
<COMMON>                                         1,066
<OTHER-SE>                                     851,067
<TOTAL-LIABILITIES-AND-EQUITY>              13,880,864
<INTEREST-LOAN>                                436,016
<INTEREST-INVEST>                              231,323
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               667,339
<INTEREST-DEPOSIT>                             190,589
<INTEREST-EXPENSE>                             144,883
<INTEREST-INCOME-NET>                          331,867
<LOAN-LOSSES>                                   10,695
<SECURITIES-GAINS>                                 281
<EXPENSE-OTHER>                                269,818
<INCOME-PRETAX>                                146,688
<INCOME-PRE-EXTRAORDINARY>                     146,688
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    96,841
<EPS-BASIC>                                        .94
<EPS-DILUTED>                                      .93
<YIELD-ACTUAL>                                    3.61
<LOANS-NON>                                     47,417
<LOANS-PAST>                                    13,764
<LOANS-TROUBLED>                                 1,365
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               110,561
<CHARGE-OFFS>                                   16,542
<RECOVERIES>                                     6,074
<ALLOWANCE-CLOSE>                              110,788
<ALLOWANCE-DOMESTIC>                           110,788
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0