<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                              338,326
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<FED-FUNDS-SOLD>                                     44,889
<TRADING-ASSETS>                                          0
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<ALLOWANCE>                                         103,271
<TOTAL-ASSETS>                                   11,338,832
<DEPOSITS>                                        7,748,104
<SHORT-TERM>                                      1,529,856
<LIABILITIES-OTHER>                                 115,427
<LONG-TERM>                                       1,064,936
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<OTHER-SE>                                          590,351
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<INTEREST-OTHER>                                        792
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<INTEREST-DEPOSIT>                                   74,947
<INTEREST-EXPENSE>                                  114,202
<INTEREST-INCOME-NET>                               103,516
<LOAN-LOSSES>                                        11,920
<SECURITIES-GAINS>                                   (8,950)
<EXPENSE-OTHER>                                      32,283
<INCOME-PRETAX>                                      33,225
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<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
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<EPS-BASIC>                                            0.53
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<YIELD-ACTUAL>                                         4.10
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<LOANS-PAST>                                         13,251
<LOANS-TROUBLED>                                          0
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<CHARGE-OFFS>                                        13,965
<RECOVERIES>                                          3,841
<ALLOWANCE-CLOSE>                                   103,271
<ALLOWANCE-DOMESTIC>                                103,271
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                              27,998