<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                               12-MOS
<FISCAL-YEAR-END>                           DEC-31-1997
<PERIOD-END>                                DEC-31-1997
<CASH>                                          268,248
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<FED-FUNDS-SOLD>                                 29,552
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                   1,639,500
<INVESTMENTS-CARRYING>                          188,556
<INVESTMENTS-MARKET>                            191,689
<LOANS>                                       4,586,582
<ALLOWANCE>                                      64,279
<TOTAL-ASSETS>                                7,125,430
<DEPOSITS>                                    5,364,925
<SHORT-TERM>                                    733,192
<LIABILITIES-OTHER>                             106,848
<LONG-TERM>                                     382,129
<PREFERRED-MANDATORY>                                 0
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<COMMON>                                        187,435
<OTHER-SE>                                      350,901
<TOTAL-LIABILITIES-AND-EQUITY>                7,125,430
<INTEREST-LOAN>                                 406,078
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<INTEREST-OTHER>                                  1,642
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<INTEREST-DEPOSIT>                              183,941
<INTEREST-EXPENSE>                              247,184
<INTEREST-INCOME-NET>                           267,905
<LOAN-LOSSES>                                    13,418
<SECURITIES-GAINS>                                  136
<EXPENSE-OTHER>                                 238,983
<INCOME-PRETAX>                                 125,478
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<EXTRAORDINARY>                                       0
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<EPS-PRIMARY>                                      3.22
<EPS-DILUTED>                                      3.15
<YIELD-ACTUAL>                                     4.56
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<LOANS-PAST>                                      6,985
<LOANS-TROUBLED>                                      0
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<CHARGE-OFFS>                                    14,425
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<ALLOWANCE-FOREIGN>                                   0
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