<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
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<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