<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S QUARTERLY FINANCIAL STATEMENTS AS OF AND FOR THE SIX MONTH PERIOD
ENDED JUNE 30, 2000, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.


                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         754,176
<INT-BEARING-DEPOSITS>                         251,335
<FED-FUNDS-SOLD>                               129,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,978,354
<INVESTMENTS-CARRYING>                         109,201
<INVESTMENTS-MARKET>                           104,146
<LOANS>                                     13,385,312
<ALLOWANCE>                                    169,340
<TOTAL-ASSETS>                              17,837,051
<DEPOSITS>                                  13,511,541
<SHORT-TERM>                                   650,986
<LIABILITIES-OTHER>                            689,210
<LONG-TERM>                                  1,081,664
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       127,093
<OTHER-SE>                                   1,775,670
<TOTAL-LIABILITIES-AND-EQUITY>              17,837,051
<INTEREST-LOAN>                                547,034
<INTEREST-INVEST>                               69,135
<INTEREST-OTHER>                                 9,477
<INTEREST-TOTAL>                               625,646
<INTEREST-DEPOSIT>                             209,811
<INTEREST-EXPENSE>                             259,645
<INTEREST-INCOME-NET>                          366,001
<LOAN-LOSSES>                                   29,180
<SECURITIES-GAINS>                                (31)
<EXPENSE-OTHER>                                267,020
<INCOME-PRETAX>                                178,046
<INCOME-PRE-EXTRAORDINARY>                     103,413
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   103,413
<EPS-BASIC>                                        .83
<EPS-DILUTED>                                      .83
<YIELD-ACTUAL>                                    8.21
<LOANS-NON>                                     74,021
<LOANS-PAST>                                    16,618
<LOANS-TROUBLED>                                20,600
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               161,418
<CHARGE-OFFS>                                   27,331
<RECOVERIES>                                     6,073
<ALLOWANCE-CLOSE>                              169,340
<ALLOWANCE-DOMESTIC>                            99,710
<ALLOWANCE-FOREIGN>                                835
<ALLOWANCE-UNALLOCATED>                         68,795