<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              dec-31-1997
<PERIOD-START>                                 jan-01-1997
<PERIOD-END>                                   sep-30-1997
<CASH>                                         690,938
<INT-BEARING-DEPOSITS>                          13,760
<FED-FUNDS-SOLD>                                17,278
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  6,243,316
<INVESTMENTS-CARRYING>                         147,584
<INVESTMENTS-MARKET>                           152,523
<LOANS>                                     19,198,963
<ALLOWANCE>                                    257,439
<TOTAL-ASSETS>                              27,212,111
<DEPOSITS>                                  19,335,274
<SHORT-TERM>                                 2,391,141
<LIABILITIES-OTHER>                            401,727
<LONG-TERM>                                  2,999,743
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       671,542
<OTHER-SE>                                   1,412,684
<TOTAL-LIABILITIES-AND-EQUITY>              27,212,111
<INTEREST-LOAN>                              1,268,920
<INTEREST-INVEST>                              303,070
<INTEREST-OTHER>                                 1,914
<INTEREST-TOTAL>                             1,573,904
<INTEREST-DEPOSIT>                             551,468
<INTEREST-EXPENSE>                             753,388
<INTEREST-INCOME-NET>                          820,516
<LOAN-LOSSES>                                   67,851
<SECURITIES-GAINS>                                 612
<EXPENSE-OTHER>                                715,590
<INCOME-PRETAX>                                393,510
<INCOME-PRE-EXTRAORDINARY>                     393,510
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   256,546
<EPS-PRIMARY>                                     1.85
<EPS-DILUTED>                                     1.84
<YIELD-ACTUAL>                                    4.58
<LOANS-NON>                                     71,023
<LOANS-PAST>                                    39,958
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               230,070
<CHARGE-OFFS>                                   59,701
<RECOVERIES>                                    13,718
<ALLOWANCE-CLOSE>                              257,439
<ALLOWANCE-DOMESTIC>                           257,439
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         36,608