<ARTICLE>                                             9
<MULTIPLIER>                                          1000
<CURRENCY>                                            US

                                                      
<PERIOD-TYPE>                      3-MOS                     3-MOS
<FISCAL-YEAR-END>                             DEC-31-2000               DEC-31-1999
<PERIOD-START>                                JAN-01-2000               JAN-01-1999
<PERIOD-END>                                  MAR-31-2000               MAR-31-1999
<EXCHANGE-RATE>                               1                         1
<CASH>                                            202,231                   180,571
<INT-BEARING-DEPOSITS>                              2,106                    77,771
<FED-FUNDS-SOLD>                                        0                         0
<TRADING-ASSETS>                                   97,100                    73,971
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<INVESTMENTS-CARRYING>                            302,762                   355,325
<INVESTMENTS-MARKET>                              289,608                   354,110
<LOANS>                                         6,100,104                 5,594,267
<ALLOWANCE>                                        74,561                    67,021
<TOTAL-ASSETS>                                 10,060,974                 9,633,797
<DEPOSITS>                                      6,196,297                 6,145,269
<SHORT-TERM>                                    1,721,783                 1,896,405
<LIABILITIES-OTHER>                               120,986                    96,194
<LONG-TERM>                                     1,221,850                   671,919
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<PREFERRED>                                             0                         0
<COMMON>                                              456                       458
<OTHER-SE>                                        600,025                   582,613
<TOTAL-LIABILITIES-AND-EQUITY>                 10,060,974                 9,633,797
<INTEREST-LOAN>                                   116,481                   104,292
<INTEREST-INVEST>                                  53,162                    55,734
<INTEREST-OTHER>                                        0                         0
<INTEREST-TOTAL>                                  169,643                   160,026
<INTEREST-DEPOSIT>                                 49,982                    52,808
<INTEREST-EXPENSE>                                 93,371                    87,340
<INTEREST-INCOME-NET>                              76,272                    72,686
<LOAN-LOSSES>                                       2,200                     2,165
<SECURITIES-GAINS>                                  3,050                     1,882
<EXPENSE-OTHER>                                    61,549                    55,646
<INCOME-PRETAX>                                    40,108                    36,451
<INCOME-PRE-EXTRAORDINARY>                         40,108                    36,451
<EXTRAORDINARY>                                         0                         0
<CHANGES>                                               0                         0
<NET-INCOME>                                       26,811                    23,973
<EPS-BASIC>                                           .61                      0.55
<EPS-DILUTED>                                         .61                      0.54
<YIELD-ACTUAL>                                       3.22                      3.24
<LOANS-NON>                                        35,923                    33,163
<LOANS-PAST>                                          639                       836
<LOANS-TROUBLED>                                    5,959                     6,053
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<ALLOWANCE-OPEN>                                   72,658                    65,201
<CHARGE-OFFS>                                         945                     1,008
<RECOVERIES>                                          648                       663
<ALLOWANCE-CLOSE>                                  74,561                    67,021
<ALLOWANCE-DOMESTIC>                               74,561                    67,021
<ALLOWANCE-FOREIGN>                                     0                         0
<ALLOWANCE-UNALLOCATED>                                 0                         0