<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                             DEC-31-1997
<PERIOD-END>                                  SEP-30-1997
<CASH>                                            349,571  
<INT-BEARING-DEPOSITS>                                796  
<FED-FUNDS-SOLD>                                   31,765  
<TRADING-ASSETS>                                   43,805  
<INVESTMENTS-HELD-FOR-SALE>                     1,603,717  
<INVESTMENTS-CARRYING>                            148,528  
<INVESTMENTS-MARKET>                              149,034  
<LOANS>                                        11,570,275  
<ALLOWANCE>                                       272,308  
<TOTAL-ASSETS>                                 13,675,133  
<DEPOSITS>                                     11,204,964  
<SHORT-TERM>                                      808,445  
<LIABILITIES-OTHER>                               252,279  
<LONG-TERM>                                       427,887  
<PREFERRED-MANDATORY>                                   0  
<PREFERRED>                                             0  
<COMMON>                                           40,487  
<OTHER-SE>                                        941,071  
<TOTAL-LIABILITIES-AND-EQUITY>                 13,675,133  
<INTEREST-LOAN>                                   705,055  
<INTEREST-INVEST>                                  78,654  
<INTEREST-OTHER>                                    5,699  
<INTEREST-TOTAL>                                  789,408  
<INTEREST-DEPOSIT>                                321,028  
<INTEREST-EXPENSE>                                374,823  
<INTEREST-INCOME-NET>                             414,585  
<LOAN-LOSSES>                                      34,000  
<SECURITIES-GAINS>                                  (280)  
<EXPENSE-OTHER>                                   311,060  
<INCOME-PRETAX>                                   209,613  
<INCOME-PRE-EXTRAORDINARY>                        129,941  
<EXTRAORDINARY>                                         0  
<CHANGES>                                               0  
<NET-INCOME>                                      129,941  
<EPS-PRIMARY>                                       18.60  
<EPS-DILUTED>                                       18.50  
<YIELD-ACTUAL>                                       4.40  
<LOANS-NON>                                        50,369  
<LOANS-PAST>                                       29,979  
<LOANS-TROUBLED>                                    5,413  
<LOANS-PROBLEM>                                         0  
<ALLOWANCE-OPEN>                                  270,466  
<CHARGE-OFFS>                                      44,332  
<RECOVERIES>                                       12,174  
<ALLOWANCE-CLOSE>                                 272,308  
<ALLOWANCE-DOMESTIC>                              168,337  
<ALLOWANCE-FOREIGN>                                     0  
<ALLOWANCE-UNALLOCATED>                           103,971