<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 436,545 <INT-BEARING-DEPOSITS> 963 <FED-FUNDS-SOLD> 203,231 <TRADING-ASSETS> 47,600 <INVESTMENTS-HELD-FOR-SALE> 1,393,276 <INVESTMENTS-CARRYING> 136,432 <INVESTMENTS-MARKET> 137,195 <LOANS> 12,275,080 <ALLOWANCE> 278,727 <TOTAL-ASSETS> 14,570,290 <DEPOSITS> 11,084,835 <SHORT-TERM> 1,724,359 <LIABILITIES-OTHER> 264,850 <LONG-TERM> 427,397 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,487 <OTHER-SE> 1,028,362 <TOTAL-LIABILITIES-AND-EQUITY> 14,570,290 <INTEREST-LOAN> 249,194 <INTEREST-INVEST> 25,202 <INTEREST-OTHER> 1,866 <INTEREST-TOTAL> 276,262 <INTEREST-DEPOSIT> 107,435 <INTEREST-EXPENSE> 134,585 <INTEREST-INCOME-NET> 141,677 <LOAN-LOSSES> 12,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 133,873 <INCOME-PRETAX> 66,200 <INCOME-PRE-EXTRAORDINARY> 48,955 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 48,955 <EPS-PRIMARY> 7.34 <EPS-DILUTED> 7.01 <YIELD-ACTUAL> 4.35 <LOANS-NON> 40,737 <LOANS-PAST> 24,449 <LOANS-TROUBLED> 4,819 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 274,656 <CHARGE-OFFS> 12,286 <RECOVERIES> 4,357 <ALLOWANCE-CLOSE> 278,727 <ALLOWANCE-DOMESTIC> 169,877 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 108,850