<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JUN-30-1999 <PERIOD-END> JUN-30-1999 <CASH> 543,669 <INT-BEARING-DEPOSITS> 3,276 <FED-FUNDS-SOLD> 418,188 <TRADING-ASSETS> 453,826 <INVESTMENTS-HELD-FOR-SALE> 1,878,045 <INVESTMENTS-CARRYING> 199,583 <INVESTMENTS-MARKET> 199,007 <LOANS> 16,706,052 <ALLOWANCE> 314,398 <TOTAL-ASSETS> 21,205,452 <DEPOSITS> 14,908,952 <SHORT-TERM> 1,941,500 <LIABILITIES-OTHER> 760,986 <LONG-TERM> 1,821,507 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,508 <OTHER-SE> 1,731,999 <TOTAL-LIABILITIES-AND-EQUITY> 21,205,452 <INTEREST-LOAN> 636,816 <INTEREST-INVEST> 67,165 <INTEREST-OTHER> 11,884 <INTEREST-TOTAL> 715,865 <INTEREST-DEPOSIT> 246,589 <INTEREST-EXPENSE> 346,507 <INTEREST-INCOME-NET> 369,358 <LOAN-LOSSES> 17,000 <SECURITIES-GAINS> 220 <EXPENSE-OTHER> 285,013 <INCOME-PRETAX> 206,867 <INCOME-PRE-EXTRAORDINARY> 131,944 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 131,944 <EPS-BASIC> 17.00 <EPS-DILUTED> 16.33 <YIELD-ACTUAL> 4.03 <LOANS-NON> 68,285 <LOANS-PAST> 31,988 <LOANS-TROUBLED> 8,146 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 306,347 <CHARGE-OFFS> 23,673 <RECOVERIES> 9,088 <ALLOWANCE-CLOSE> 314,398 <ALLOWANCE-DOMESTIC> 206,345 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 108,053