<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 476,969 <INT-BEARING-DEPOSITS> 1,359 <FED-FUNDS-SOLD> 591,181 <TRADING-ASSETS> 646,417 <INVESTMENTS-HELD-FOR-SALE> 1,853,362 <INVESTMENTS-CARRYING> 225,587 <INVESTMENTS-MARKET> 223,657 <LOANS> 17,860,069 <ALLOWANCE> 318,595 <TOTAL-ASSETS> 22,761,554 <DEPOSITS> 15,151,438 <SHORT-TERM> 3,068,547 <LIABILITIES-OTHER> 934,857 <LONG-TERM> 1,774,456 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,508 <OTHER-SE> 1,791,748 <TOTAL-LIABILITIES-AND-EQUITY> 22,761,554 <INTEREST-LOAN> 358,802 <INTEREST-INVEST> 30,347 <INTEREST-OTHER> 9,709 <INTEREST-TOTAL> 398,858 <INTEREST-DEPOSIT> 134,325 <INTEREST-EXPENSE> 203,731 <INTEREST-INCOME-NET> 195,127 <LOAN-LOSSES> 9,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 150,597 <INCOME-PRETAX> 107,528 <INCOME-PRE-EXTRAORDINARY> 68,235 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 68,235 <EPS-BASIC> 8.85 <EPS-DILUTED> 8.61 <YIELD-ACTUAL> 3.94 <LOANS-NON> 58,060 <LOANS-PAST> 29,407 <LOANS-TROUBLED> 8,910 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 316,165 <CHARGE-OFFS> 10,162 <RECOVERIES> 3,592 <ALLOWANCE-CLOSE> 318,595 <ALLOWANCE-DOMESTIC> 224,836 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 93,759