<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000


                                       

<PERIOD-TYPE>                                         3-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    MAR-31-2000

<CASH>                                             3,041,839
<INT-BEARING-DEPOSITS>                                54,087
<FED-FUNDS-SOLD>                                     324,810
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       13,331,657
<INVESTMENTS-CARRYING>                               190,581
<INVESTMENTS-MARKET>                                 190,604
<LOANS>                                           50,253,295
<ALLOWANCE>                                          714,966
<TOTAL-ASSETS>                                    73,059,923
<DEPOSITS>                                        51,424,068
<SHORT-TERM>                                       9,357,755
<LIABILITIES-OTHER>                                1,263,945
<LONG-TERM>                                        4,745,450
<COMMON>                                               9,846
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                        62,858,859
<TOTAL-LIABILITIES-AND-EQUITY>                    73,059,923
<INTEREST-LOAN>                                    1,059,187
<INTEREST-INVEST>                                    222,194
<INTEREST-OTHER>                                      18,730
<INTEREST-TOTAL>                                   1,300,111
<INTEREST-DEPOSIT>                                   440,277
<INTEREST-EXPENSE>                                   630,458
<INTEREST-INCOME-NET>                                669,653
<LOAN-LOSSES>                                         45,689
<SECURITIES-GAINS>                                        11
<EXPENSE-OTHER>                                      505,826
<INCOME-PRETAX>                                      479,386
<INCOME-PRE-EXTRAORDINARY>                           479,386
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         307,799
<EPS-BASIC>                                           0.32
<EPS-DILUTED>                                           0.31
<YIELD-ACTUAL>                                          4.17
<LOANS-NON>                                          219,339
<LOANS-PAST>                                         141,155
<LOANS-TROUBLED>                                       2,609
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                     714,898
<CHARGE-OFFS>                                         64,050
<RECOVERIES>                                          18,429
<ALLOWANCE-CLOSE>                                    714,966
<ALLOWANCE-DOMESTIC>                                 714,966
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0