<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000
<RESTATED>


                                       
<PERIOD-TYPE>                                         9-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    SEP-30-1999

<CASH>                                             2,824,575
<INT-BEARING-DEPOSITS>                               128,695
<FED-FUNDS-SOLD>                                     217,923
<TRADING-ASSETS>                                         101
<INVESTMENTS-HELD-FOR-SALE>                       12,719,317
<INVESTMENTS-CARRYING>                               254,005
<INVESTMENTS-MARKET>                                 255,781
<LOANS>                                           48,700,847
<ALLOWANCE>                                          714,547
<TOTAL-ASSETS>                                    71,345,344
<DEPOSITS>                                        50,709,135
<SHORT-TERM>                                       7,457,294
<LIABILITIES-OTHER>                                1,145,188
<LONG-TERM>                                        5,597,854
<COMMON>                                               9,833
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                         6,426,040
<TOTAL-LIABILITIES-AND-EQUITY>                    71,345,344
<INTEREST-LOAN>                                    2,944,213
<INTEREST-INVEST>                                    706,310
<INTEREST-OTHER>                                     103,114
<INTEREST-TOTAL>                                   3,753,637
<INTEREST-DEPOSIT>                                 1,255,939
<INTEREST-EXPENSE>                                 1,773,320
<INTEREST-INCOME-NET>                              1,980,317
<LOAN-LOSSES>                                        143,552
<SECURITIES-GAINS>                                    14,753
<EXPENSE-OTHER>                                    1,897,579
<INCOME-PRETAX>                                      980,329
<INCOME-PRE-EXTRAORDINARY>                           980,329
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         607,273
<EPS-BASIC>                                           0.61
<EPS-DILUTED>                                           0.60
<YIELD-ACTUAL>                                          4.07
<LOANS-NON>                                          217,600
<LOANS-PAST>                                         122,047
<LOANS-TROUBLED>                                       1,605
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                     704,846
<CHARGE-OFFS>                                        189,343
<RECOVERIES>                                          55,522
<ALLOWANCE-CLOSE>                                    714,547
<ALLOWANCE-DOMESTIC>                                 714,547
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0