<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   MAR-31-1998
<EXCHANGE-RATE>                                1
<CASH>                                         3,661,602
<INT-BEARING-DEPOSITS>                         154,415
<FED-FUNDS-SOLD>                               365,987
<TRADING-ASSETS>                               1,198,056
<INVESTMENTS-HELD-FOR-SALE>                    9,871,249
<INVESTMENTS-CARRYING>                         1,375,959
<INVESTMENTS-MARKET>                           1,440,438
<LOANS>                                        44,498,281
<ALLOWANCE>                                    544,741
<TOTAL-ASSETS>                                 65,124,715
<DEPOSITS>                                     39,856,887
<SHORT-TERM>                                   11,949,290
<LIABILITIES-OTHER>                            1,625,472
<LONG-TERM>                                    6,456,366
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<COMMON>                                       1,030,657
<OTHER-SE>                                     4,206,043
<TOTAL-LIABILITIES-AND-EQUITY>                 65,124,715
<INTEREST-LOAN>                                945,437
<INTEREST-INVEST>                              181,115
<INTEREST-OTHER>                               21,277
<INTEREST-TOTAL>                               1,147,829
<INTEREST-DEPOSIT>                             344,240
<INTEREST-EXPENSE>                             578,686
<INTEREST-INCOME-NET>                          569,143
<LOAN-LOSSES>                                  74,126
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<EXPENSE-OTHER>                                494,249
<INCOME-PRETAX>                                287,648
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<EPS-PRIMARY>                                  0.95<F1>
<EPS-DILUTED>                                  0.93
<YIELD-ACTUAL>                                 4.21
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<LOANS-PAST>                                   87,569
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<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
<FN>
<F1>BASIC
</FN>