<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 493,792 <INT-BEARING-DEPOSITS> 674 <FED-FUNDS-SOLD> 229,066 <TRADING-ASSETS> 173,122 <INVESTMENTS-HELD-FOR-SALE> 2,583,740 <INVESTMENTS-CARRYING> 201,824 <INVESTMENTS-MARKET> 201,907 <LOANS> 16,005,701 <ALLOWANCE> 306,347 <TOTAL-ASSETS> 20,583,891 <DEPOSITS> 14,737,152 <SHORT-TERM> 2,229,976 <LIABILITIES-OTHER> 446,854 <LONG-TERM> 1,567,543 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,508 <OTHER-SE> 1,561,858 <TOTAL-LIABILITIES-AND-EQUITY> 20,583,891 <INTEREST-LOAN> 1,190,983 <INTEREST-INVEST> 147,715 <INTEREST-OTHER> 13,096 <INTEREST-TOTAL> 1,351,794 <INTEREST-DEPOSIT> 523,354 <INTEREST-EXPENSE> 687,503 <INTEREST-INCOME-NET> 664,291 <LOAN-LOSSES> 43,200 <SECURITIES-GAINS> 1,761 <EXPENSE-OTHER> 566,123 <INCOME-PRETAX> 325,563 <INCOME-PRE-EXTRAORDINARY> 207,974 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 207,974 <EPS-PRIMARY> 27.30 <EPS-DILUTED> 26.16 <YIELD-ACTUAL> 3.97 <LOANS-NON> 70,999 <LOANS-PAST> 37,784 <LOANS-TROUBLED> 8,262 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 274,656 <CHARGE-OFFS> 56,301 <RECOVERIES> 16,887 <ALLOWANCE-CLOSE> 306,347 <ALLOWANCE-DOMESTIC> 194,792 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 111,555