<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         511,273
<INT-BEARING-DEPOSITS>                             670
<FED-FUNDS-SOLD>                               336,410
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<INVESTMENTS-MARKET>                           245,721
<LOANS>                                     15,487,386
<ALLOWANCE>                                    310,811
<TOTAL-ASSETS>                              20,138,045
<DEPOSITS>                                  14,812,959
<SHORT-TERM>                                 2,572,124
<LIABILITIES-OTHER>                            399,360
<LONG-TERM>                                    694,594
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                   1,618,500
<TOTAL-LIABILITIES-AND-EQUITY>              20,138,045
<INTEREST-LOAN>                                564,501
<INTEREST-INVEST>                               69,541
<INTEREST-OTHER>                                 3,944
<INTEREST-TOTAL>                               637,986
<INTEREST-DEPOSIT>                             248,322
<INTEREST-EXPENSE>                             319,229
<INTEREST-INCOME-NET>                          318,757
<LOAN-LOSSES>                                   25,200
<SECURITIES-GAINS>                                 322
<EXPENSE-OTHER>                                288,877
<INCOME-PRETAX>                                141,486
<INCOME-PRE-EXTRAORDINARY>                      93,654
<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                    12.72
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<LOANS-NON>                                     78,527
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<ALLOWANCE-FOREIGN>                                  0
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