<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S QUARTERLY FINANCIAL STATEMENTS AS OF AND FOR THE NINE MONTH PERIOD
ENDED SEPTEMBER 30, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         693,001
<INT-BEARING-DEPOSITS>                         387,626
<FED-FUNDS-SOLD>                               444,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,538,811
<INVESTMENTS-CARRYING>                         161,450
<INVESTMENTS-MARKET>                           158,741
<LOANS>                                     12,315,651
<ALLOWANCE>                                    161,543
<TOTAL-ASSETS>                              16,722,955
<DEPOSITS>                                  12,987,903
<SHORT-TERM>                                   540,665
<LIABILITIES-OTHER>                            566,094
<LONG-TERM>                                    806,796
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        63,499
<OTHER-SE>                                   1,756,777
<TOTAL-LIABILITIES-AND-EQUITY>              16,722,955
<INTEREST-LOAN>                                749,600
<INTEREST-INVEST>                               74,874
<INTEREST-OTHER>                                18,528
<INTEREST-TOTAL>                               843,002
<INTEREST-DEPOSIT>                             271,057
<INTEREST-EXPENSE>                             330,382
<INTEREST-INCOME-NET>                          512,620
<LOAN-LOSSES>                                   35,405
<SECURITIES-GAINS>                                (21)
<EXPENSE-OTHER>                                406,156
<INCOME-PRETAX>                                213,981
<INCOME-PRE-EXTRAORDINARY>                     123,880
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   123,880
<EPS-BASIC>                                       2.00
<EPS-DILUTED>                                     1.99
<YIELD-ACTUAL>                                    7.83
<LOANS-NON>                                     78,766
<LOANS-PAST>                                    26,467
<LOANS-TROUBLED>                                23,410
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               158,293
<CHARGE-OFFS>                                   38,879
<RECOVERIES>                                     7,749
<ALLOWANCE-CLOSE>                              161,543
<ALLOWANCE-DOMESTIC>                            99,620
<ALLOWANCE-FOREIGN>                              1,310
<ALLOWANCE-UNALLOCATED>                         60,613