<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         398,542
<INT-BEARING-DEPOSITS>                             909
<FED-FUNDS-SOLD>                               144,075
<TRADING-ASSETS>                               196,276
<INVESTMENTS-HELD-FOR-SALE>                  2,236,556
<INVESTMENTS-CARRYING>                          95,376
<INVESTMENTS-MARKET>                            95,422
<LOANS>                                     15,388,132
<ALLOWANCE>                                    309,535
<TOTAL-ASSETS>                              19,478,400
<DEPOSITS>                                  14,394,401
<SHORT-TERM>                                 1,841,202
<LIABILITIES-OTHER>                            400,167
<LONG-TERM>                                  1,193,453
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,508
<OTHER-SE>                                   1,608,669
<TOTAL-LIABILITIES-AND-EQUITY>              19,478,400
<INTEREST-LOAN>                                879,487
<INTEREST-INVEST>                              108,584
<INTEREST-OTHER>                                 7,357
<INTEREST-TOTAL>                               995,428
<INTEREST-DEPOSIT>                             388,534
<INTEREST-EXPENSE>                             504,079
<INTEREST-INCOME-NET>                          491,349
<LOAN-LOSSES>                                   35,700
<SECURITIES-GAINS>                                 698
<EXPENSE-OTHER>                                427,367
<INCOME-PRETAX>                                231,656
<INCOME-PRE-EXTRAORDINARY>                     150,131
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   150,131
<EPS-PRIMARY>                                    19.84
<EPS-DILUTED>                                    19.01
<YIELD-ACTUAL>                                    4.04
<LOANS-NON>                                     73,778
<LOANS-PAST>                                    37,746
<LOANS-TROUBLED>                                 7,656
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               274,656
<CHARGE-OFFS>                                   41,088
<RECOVERIES>                                    12,362
<ALLOWANCE-CLOSE>                              309,535
<ALLOWANCE-DOMESTIC>                           190,041
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        119,494