<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   MAR-31-1998
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<INT-BEARING-DEPOSITS>                                 963
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<INVESTMENTS-HELD-FOR-SALE>                      1,393,276
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<SHORT-TERM>                                     1,724,359
<LIABILITIES-OTHER>                                264,850
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<PREFERRED-MANDATORY>                                    0
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<COMMON>                                            40,487
<OTHER-SE>                                       1,028,362
<TOTAL-LIABILITIES-AND-EQUITY>                  14,570,290
<INTEREST-LOAN>                                    249,194
<INTEREST-INVEST>                                   25,202
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<INTEREST-TOTAL>                                   276,262
<INTEREST-DEPOSIT>                                 107,435
<INTEREST-EXPENSE>                                 134,585
<INTEREST-INCOME-NET>                              141,677
<LOAN-LOSSES>                                       12,000
<SECURITIES-GAINS>                                       0
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<INCOME-PRETAX>                                     66,200
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<EPS-PRIMARY>                                         7.34
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<YIELD-ACTUAL>                                        4.35
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<CHARGE-OFFS>                                       12,286
<RECOVERIES>                                         4,357
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<ALLOWANCE-DOMESTIC>                               169,877
<ALLOWANCE-FOREIGN>                                      0
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