<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 403,333 <INT-BEARING-DEPOSITS> 635 <FED-FUNDS-SOLD> 402,926 <TRADING-ASSETS> 472,986 <INVESTMENTS-HELD-FOR-SALE> 1,890,160 <INVESTMENTS-CARRYING> 198,105 <INVESTMENTS-MARKET> 198,006 <LOANS> 16,015,526 <ALLOWANCE> 306,739 <TOTAL-ASSETS> 20,284,845 <DEPOSITS> 14,475,945 <SHORT-TERM> 1,719,517 <LIABILITIES-OTHER> 705,433 <LONG-TERM> 1,716,704 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,508 <OTHER-SE> 1,626,738 <TOTAL-LIABILITIES-AND-EQUITY> 20,284,845 <INTEREST-LOAN> 314,973 <INTEREST-INVEST> 36,497 <INTEREST-OTHER> 5,075 <INTEREST-TOTAL> 356,545 <INTEREST-DEPOSIT> 124,411 <INTEREST-EXPENSE> 175,238 <INTEREST-INCOME-NET> 181,307 <LOAN-LOSSES> 8,500 <SECURITIES-GAINS> 220 <EXPENSE-OTHER> 139,466 <INCOME-PRETAX> 106,057 <INCOME-PRE-EXTRAORDINARY> 66,906 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 66,906 <EPS-PRIMARY> 8.65 <EPS-DILUTED> 8.34 <YIELD-ACTUAL> 3.98 <LOANS-NON> 69,393 <LOANS-PAST> 37,988 <LOANS-TROUBLED> 8,014 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 306,347 <CHARGE-OFFS> 12,956 <RECOVERIES> 4,848 <ALLOWANCE-CLOSE> 306,739 <ALLOWANCE-DOMESTIC> 196,751 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 109,988