<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