<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 298,249 <INT-BEARING-DEPOSITS> 52,754 <FED-FUNDS-SOLD> 9,571 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,670,923 <INVESTMENTS-CARRYING> 121,286 <INVESTMENTS-MARKET> 122,049 <LOANS> 7,322,504 <ALLOWANCE> 93,701 <TOTAL-ASSETS> 11,172,791 <DEPOSITS> 7,785,297 <SHORT-TERM> 1,453,826 <LIABILITIES-OTHER> 136,379 <LONG-TERM> 930,556 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 299,977 <OTHER-SE> 566,756 <TOTAL-LIABILITIES-AND-EQUITY> 11,172,791 <INTEREST-LOAN> 160,434 <INTEREST-INVEST> 41,908 <INTEREST-OTHER> 738 <INTEREST-TOTAL> 204,747 <INTEREST-DEPOSIT> 67,436 <INTEREST-EXPENSE> 98,140 <INTEREST-INCOME-NET> 106,607 <LOAN-LOSSES> 16,006 <SECURITIES-GAINS> (1,633) <EXPENSE-OTHER> 31,036 <INCOME-PRETAX> 48,467 <INCOME-PRE-EXTRAORDINARY> 48,467 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 31,953 <EPS-BASIC> 0.80 <EPS-DILUTED> 0.79 <YIELD-ACTUAL> 4.25 <LOANS-NON> 41,577 <LOANS-PAST> 13,407 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 25,000 <ALLOWANCE-OPEN> 91,894 <CHARGE-OFFS> 32,742 <RECOVERIES> 2,566 <ALLOWANCE-CLOSE> 93,701 <ALLOWANCE-DOMESTIC> 93,701 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 16,059