<ARTICLE> 9
<MULTIPLIER> 1000
<CURRENCY> US DOLLARS

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                       3,167,792
<INT-BEARING-DEPOSITS>                         130,686
<FED-FUNDS-SOLD>                               417,023
<TRADING-ASSETS>                             1,239,924
<INVESTMENTS-HELD-FOR-SALE>                  7,109,858
<INVESTMENTS-CARRYING>                       1,114,184
<INVESTMENTS-MARKET>                         1,120,825
<LOANS>                                     51,125,316
<ALLOWANCE>                                    595,655
<TOTAL-ASSETS>                              68,817,488
<DEPOSITS>                                  43,715,778
<SHORT-TERM>                                 8,082,033
<LIABILITIES-OTHER>                          2,434,860
<LONG-TERM>                                  8,738,387
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,012,282
<OTHER-SE>                                   4,834,148
<TOTAL-LIABILITIES-AND-EQUITY>              68,817,488
<INTEREST-LOAN>                              1,093,779
<INTEREST-INVEST>                              132,206
<INTEREST-OTHER>                                19,372
<INTEREST-TOTAL>                             1,245,357
<INTEREST-DEPOSIT>                             374,780
<INTEREST-EXPENSE>                             625,861
<INTEREST-INCOME-NET>                          619,496
<LOAN-LOSSES>                                   73,666
<SECURITIES-GAINS>                                 167
<EXPENSE-OTHER>                                637,978
<INCOME-PRETAX>                                378,818
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   244,707
<EPS-BASIC>                                       1.21
<EPS-DILUTED>                                     1.20
<YIELD-ACTUAL>                                    4.20
<LOANS-NON>                                    226,176
<LOANS-PAST>                                   126,318
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               554,810
<CHARGE-OFFS>                                   88,205
<RECOVERIES>                                    14,880
<ALLOWANCE-CLOSE>                              595,655
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0