<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
       
 
                                  
 
<PERIOD-TYPE>                                                 12-MOS
<FISCAL-YEAR-END>                                        DEC-31-1998
<PERIOD-END>                                             DEC-31-1998
 
<CASH>                                                    2,349,532
<INT-BEARING-DEPOSITS>                                       24,678
<FED-FUNDS-SOLD>                                             50,846
<TRADING-ASSETS>                                              2,754
<INVESTMENTS-HELD-FOR-SALE>                               6,220,902
<INVESTMENTS-CARRYING>                                      135,407
<INVESTMENTS-MARKET>                                        137,287
<LOANS>                                                  25,868,057
<ALLOWANCE>                                                 395,956
<TOTAL-ASSETS>                                           38,475,839
<DEPOSITS>                                               28,850,765
<SHORT-TERM>                                              3,643,308
<LIABILITIES-OTHER>                                         742,984
<LONG-TERM>                                               1,708,869
<COMMON>                                                      2,194
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<OTHER-SE>                                                3,527,719
<TOTAL-LIABILITIES-AND-EQUITY>                           38,475,839
<INTEREST-LOAN>                                           2,152,359
<INTEREST-INVEST>                                           412,212
<INTEREST-OTHER>                                             76,917
<INTEREST-TOTAL>                                          2,641,488
<INTEREST-DEPOSIT>                                          911,958
<INTEREST-EXPENSE>                                        1,228,709
<INTEREST-INCOME-NET>                                     1,412,779
<LOAN-LOSSES>                                               113,636
<SECURITIES-GAINS>                                            1,095
<EXPENSE-OTHER>                                           1,521,192
<INCOME-PRETAX>                                             638,099
<INCOME-PRE-EXTRAORDINARY>                                  430,147
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                430,147
<EPS-PRIMARY>                                                  1.99
<EPS-DILUTED>                                                  1.95
<YIELD-ACTUAL>                                                 4.46
<LOANS-NON>                                                 124,475
<LOANS-PAST>                                                 75,094
<LOANS-TROUBLED>                                                 48
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            372,933
<CHARGE-OFFS>                                               170,838
<RECOVERIES>                                                 49,437
<ALLOWANCE-CLOSE>                                           395,956
<ALLOWANCE-DOMESTIC>                                        395,956
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0