<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF INCOME AND THE ACCOMPANYING TABLES
OF FORM 10-Q, INFORMATION HEREIN IS QUALIFIED BY REFERENCE TO SUCH STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       2,499,686
<INT-BEARING-DEPOSITS>                         203,428
<FED-FUNDS-SOLD>                               385,930
<TRADING-ASSETS>                               197,120
<INVESTMENTS-HELD-FOR-SALE>                  3,272,934
<INVESTMENTS-CARRYING>                         138,267
<INVESTMENTS-MARKET>                           138,269
<LOANS>                                     24,586,658
<ALLOWANCE>                                    450,403
<TOTAL-ASSETS>                              32,386,153
<DEPOSITS>                                  24,133,148
<SHORT-TERM>                                 3,777,857
<LIABILITIES-OTHER>                            622,704
<LONG-TERM>                                    648,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,415,104
<OTHER-SE>                                   1,466,033
<TOTAL-LIABILITIES-AND-EQUITY>              32,386,153
<INTEREST-LOAN>                                916,350
<INTEREST-INVEST>                              111,031
<INTEREST-OTHER>                                15,550
<INTEREST-TOTAL>                             1,042,931
<INTEREST-DEPOSIT>                             241,479
<INTEREST-EXPENSE>                             355,947
<INTEREST-INCOME-NET>                          686,984
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                               1,895
<EXPENSE-OTHER>                                610,575
<INCOME-PRETAX>                                345,515
<INCOME-PRE-EXTRAORDINARY>                     345,515
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   233,222
<EPS-BASIC>                                       1.39
<EPS-DILUTED>                                     1.38
<YIELD-ACTUAL>                                    4.83
<LOANS-NON>                                     90,908
<LOANS-PAST>                                    15,151
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               459,328
<CHARGE-OFFS>                                   36,843
<RECOVERIES>                                    12,953
<ALLOWANCE-CLOSE>                              450,403
<ALLOWANCE-DOMESTIC>                           228,100
<ALLOWANCE-FOREIGN>                             17,800
<ALLOWANCE-UNALLOCATED>                        204,500