<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000


                                       

<PERIOD-TYPE>                                         9-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    SEP-30-2000

<CASH>                                             3,139,746
<INT-BEARING-DEPOSITS>                                89,719
<FED-FUNDS-SOLD>                                     172,338
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       12,426,350
<INVESTMENTS-CARRYING>                               234,313
<INVESTMENTS-MARKET>                                 247,682
<LOANS>                                           53,364,210
<ALLOWANCE>                                          717,615
<TOTAL-ASSETS>                                    74,506,369
<DEPOSITS>                                        53,283,195
<SHORT-TERM>                                       9,364,458
<LIABILITIES-OTHER>                                1,523,060
<LONG-TERM>                                        4,143,765
<COMMON>                                               9,844
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                         6,182,047
<TOTAL-LIABILITIES-AND-EQUITY>                    74,506,369
<INTEREST-LOAN>                                    3,300,824
<INTEREST-INVEST>                                    670,162
<INTEREST-OTHER>                                      95,385
<INTEREST-TOTAL>                                   4,066,371
<INTEREST-DEPOSIT>                                 1,425,941
<INTEREST-EXPENSE>                                 2,043,479
<INTEREST-INCOME-NET>                              2,022,892
<LOAN-LOSSES>                                        154,943
<SECURITIES-GAINS>                                       107
<EXPENSE-OTHER>                                    1,547,526
<INCOME-PRETAX>                                    1,428,211
<INCOME-PRE-EXTRAORDINARY>                         1,428,211
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         933,536
<EPS-BASIC>                                           0.96
<EPS-DILUTED>                                           0.96
<YIELD-ACTUAL>                                          4.09
<LOANS-NON>                                          276,161
<LOANS-PAST>                                         173,301
<LOANS-TROUBLED>                                       1,073
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                     714,898
<CHARGE-OFFS>                                        207,782
<RECOVERIES>                                          55,556
<ALLOWANCE-CLOSE>                                    717,615
<ALLOWANCE-DOMESTIC>                                 717,615
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0