<ARTICLE>                                            9
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. Dollars
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<EXCHANGE-RATE>                                      1.00
<CASH>                                          3,110,130
<INT-BEARING-DEPOSITS>                            160,529
<FED-FUNDS-SOLD>                                  524,100
<TRADING-ASSETS>                                  809,416
<INVESTMENTS-HELD-FOR-SALE>                     8,399,296
<INVESTMENTS-CARRYING>                          1,373,453
<INVESTMENTS-MARKET>                            1,422,225
<LOANS>                                        46,393,132
<ALLOWANCE>                                       548,302
<TOTAL-ASSETS>                                 65,319,488
<DEPOSITS>                                     38,522,356
<SHORT-TERM>                                    9,748,687
<LIABILITIES-OTHER>                             1,880,266
<LONG-TERM>                                     7,970,451
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                        1,014,492
<OTHER-SE>                                      4,417,447
<TOTAL-LIABILITIES-AND-EQUITY>                 65,319,488
<INTEREST-LOAN>                                   969,294
<INTEREST-INVEST>                                 147,431
<INTEREST-OTHER>                                   13,661
<INTEREST-TOTAL>                                1,130,386
<INTEREST-DEPOSIT>                                307,367
<INTEREST-EXPENSE>                                522,310
<INTEREST-INCOME-NET>                             608,076
<LOAN-LOSSES>                                      80,636
<SECURITIES-GAINS>                                    234
<EXPENSE-OTHER>                                   492,198
<INCOME-PRETAX>                                   368,745
<INCOME-PRE-EXTRAORDINARY>                        243,236
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      243,236
<EPS-PRIMARY>                                        1.20<F1>
<EPS-DILUTED>                                        1.18
<YIELD-ACTUAL>                                       4.41
<LOANS-NON>                                       144,763
<LOANS-PAST>                                      137,116
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  547,992
<CHARGE-OFFS>                                      93,835
<RECOVERIES>                                       13,509
<ALLOWANCE-CLOSE>                                 548,302
<ALLOWANCE-DOMESTIC>                                    0<F2>
<ALLOWANCE-FOREIGN>                                     0<F2>
<ALLOWANCE-UNALLOCATED>                                 0<F2>
        

<FN>
<F1>EPS-BASIC
<F2>Available at Year-end only
</FN>