<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 333,805 <INT-BEARING-DEPOSITS> 668 <FED-FUNDS-SOLD> 53,087 <TRADING-ASSETS> 57,291 <INVESTMENTS-HELD-FOR-SALE> 1,583,273 <INVESTMENTS-CARRYING> 141,945 <INVESTMENTS-MARKET> 142,456 <LOANS> 11,765,533 <ALLOWANCE> 274,656 <TOTAL-ASSETS> 14,002,935 <DEPOSITS> 11,163,158 <SHORT-TERM> 1,097,324 <LIABILITIES-OTHER> 284,368 <LONG-TERM> 427,819 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,487 <OTHER-SE> 989,779 <TOTAL-LIABILITIES-AND-EQUITY> 14,002,935 <INTEREST-LOAN> 952,436 <INTEREST-INVEST> 105,280 <INTEREST-OTHER> 7,245 <INTEREST-TOTAL> 1,064,961 <INTEREST-DEPOSIT> 434,133 <INTEREST-EXPENSE> 508,093 <INTEREST-INCOME-NET> 556,868 <LOAN-LOSSES> 46,000 <SECURITIES-GAINS> (280) <EXPENSE-OTHER> 421,776 <INCOME-PRETAX> 282,159 <INCOME-PRE-EXTRAORDINARY> 176,241 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 176,241 <EPS-PRIMARY> 26.60 <EPS-DILUTED> 25.26 <YIELD-ACTUAL> 4.38 <LOANS-NON> 38,588 <LOANS-PAST> 30,402 <LOANS-TROUBLED> 11,660 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 270,466 <CHARGE-OFFS> 59,329 <RECOVERIES> 17,519 <ALLOWANCE-CLOSE> 274,656 <ALLOWANCE-DOMESTIC> 170,927 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 103,729