<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000


                                       

<PERIOD-TYPE>                                         6-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    JUN-30-2000

<CASH>                                             3,502,277
<INT-BEARING-DEPOSITS>                               106,991
<FED-FUNDS-SOLD>                                     153,932
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       12,756,055
<INVESTMENTS-CARRYING>                               245,317
<INVESTMENTS-MARKET>                                 254,251
<LOANS>                                           52,146,851
<ALLOWANCE>                                          717,631
<TOTAL-ASSETS>                                    74,429,801
<DEPOSITS>                                        52,722,532
<SHORT-TERM>                                       9,666,931
<LIABILITIES-OTHER>                                1,352,172
<LONG-TERM>                                        4,481,685
<COMMON>                                               9,844
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                         6,196,637
<TOTAL-LIABILITIES-AND-EQUITY>                    74,429,801
<INTEREST-LOAN>                                    2,153,339
<INTEREST-INVEST>                                    448,258
<INTEREST-OTHER>                                      59,228
<INTEREST-TOTAL>                                   2,660,825
<INTEREST-DEPOSIT>                                   914,023
<INTEREST-EXPENSE>                                 1,316,585
<INTEREST-INCOME-NET>                              1,344,240
<LOAN-LOSSES>                                         96,743
<SECURITIES-GAINS>                                        14
<EXPENSE-OTHER>                                    1,013,915
<INCOME-PRETAX>                                      966,404
<INCOME-PRE-EXTRAORDINARY>                           966,404
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         624,542
<EPS-BASIC>                                           0.64
<EPS-DILUTED>                                           0.64
<YIELD-ACTUAL>                                          4.14
<LOANS-NON>                                          228,037
<LOANS-PAST>                                         166,314
<LOANS-TROUBLED>                                       2,866
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                     714,898
<CHARGE-OFFS>                                        133,402
<RECOVERIES>                                          39,392
<ALLOWANCE-CLOSE>                                    717,631
<ALLOWANCE-DOMESTIC>                                 717,631
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0