<ARTICLE>                                            9
<MULTIPLIER>                                  1000
<CURRENCY>                                    US DOLLARS
       
                                                    
<PERIOD-TYPE>                      3-MOS                  3-MOS
<FISCAL-YEAR-END>                       DEC-31-1999           DEC-31-1998
<PERIOD-START>                          JAN-01-1999           JAN-01-1998
<PERIOD-END>                            MAR-31-1999           MAR-31-1998
<EXCHANGE-RATE>                                   1                     1
<CASH>                                      141,315               141,158
<INT-BEARING-DEPOSITS>                        4,913                94,668
<FED-FUNDS-SOLD>                             63,245                     0
<TRADING-ASSETS>                             73,971                82,713
<INVESTMENTS-HELD-FOR-SALE>               2,777,140             3,799,739
<INVESTMENTS-CARRYING>                      350,115               410,785
<INVESTMENTS-MARKET>                        348,773               411,302
<LOANS>                                   5,076,764             4,958,633
<ALLOWANCE>                                  56,754                61,155
<TOTAL-ASSETS>                            8,848,672             9,802,789
<DEPOSITS>                                5,512,191             5,792,321
<SHORT-TERM>                              2,534,278             3,095,208
<LONG-TERM>                                       0                     0
<LIABILITIES-OTHER>                          89,349               171,353
<PREFERRED-MANDATORY>                             0                     0
<PREFERRED>                                       0                     0
<COMMON>                                        385                   380
<OTHER-SE>                                  512,291               543,950
<TOTAL-LIABILITIES-AND-EQUITY>            8,848,672             9,802,789
<INTEREST-LOAN>                              93,225                97,858
<INTEREST-INVEST>                            52,684                61,341
<INTEREST-OTHER>                                  0                     0
<INTEREST-TOTAL>                            145,909               159,199
<INTEREST-DEPOSIT>                           48,580                56,675
<INTEREST-EXPENSE>                           82,322                95,802
<INTEREST-INCOME-NET>                        63,587                63,397
<LOAN-LOSSES>                                 2,000                 1,900
<SECURITIES-GAINS>                            1,707                 3,098
<EXPENSE-OTHER>                              48,068                45,463
<INCOME-PRETAX>                              33,016                31,360
<INCOME-PRE-EXTRAORDINARY>                   33,016                31,360
<EXTRAORDINARY>                                   0                     0
<CHANGES>                                         0                     0
<NET-INCOME>                                 21,791                19,721
<EPS-PRIMARY>                                  0.60                  0.52
<EPS-DILUTED>                                  0.59                  0.50
<YIELD-ACTUAL>                                 2.91                  2.62
<LOANS-NON>                                  26,848                43,077
<LOANS-PAST>                                      0                     0
<LOANS-TROUBLED>                                  0                     0
<LOANS-PROBLEM>                                   0                     0
<ALLOWANCE-OPEN>                             55,109                59,518
<CHARGE-OFFS>                                   844                   998
<RECOVERIES>                                    489                   735
<ALLOWANCE-CLOSE>                            56,754                61,155
<ALLOWANCE-DOMESTIC>                         56,754                61,155
<ALLOWANCE-FOREIGN>                               0                     0
<ALLOWANCE-UNALLOCATED>                           0                     0