<ARTICLE> 9

<CURRENCY> U.S. DOLLARS

                                                    
<PERIOD-TYPE>                     6-MOS                   YEAR
<FISCAL-YEAR-END>                            DEC-31-1999             DEC-31-1999
<PERIOD-END>                                 JUN-30-1999             DEC-31-1999
<EXCHANGE-RATE>                                        1                       1
<CASH>                                           528,661                 546,816
<INT-BEARING-DEPOSITS>                            15,970                  18,322
<FED-FUNDS-SOLD>                                  29,324                 211,257
<TRADING-ASSETS>                                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    6,178,072               6,316,031
<INVESTMENTS-CARRYING>                           619,238                 557,151
<INVESTMENTS-MARKET>                                   0                       0
<LOANS>                                        9,518,967               9,854,656
<ALLOWANCE>                                      157,774                 155,048
<TOTAL-ASSETS>                                17,892,934              18,508,264
<DEPOSITS>                                    11,731,574              11,710,501
<SHORT-TERM>                                   1,206,941               2,159,103
<LIABILITIES-OTHER>                              112,448                 139,236
<LONG-TERM>                                    3,518,504               3,208,375
<PREFERRED-MANDATORY>                             98,775                  98,775
<PREFERRED>                                            0                       0
<COMMON>                                           1,496                   1,496
<OTHER-SE>                                     1,223,196               1,190,778
<TOTAL-LIABILITIES-AND-EQUITY>                17,892,934              18,508,264
<INTEREST-LOAN>                                  415,718                 826,565
<INTEREST-INVEST>                                171,186                 400,954
<INTEREST-OTHER>                                       0                       0
<INTEREST-TOTAL>                                 586,904               1,227,519
<INTEREST-DEPOSIT>                               188,651                 373,526
<INTEREST-EXPENSE>                                93,885                 229,764
<INTEREST-INCOME-NET>                            304,368                 624,229
<LOAN-LOSSES>                                     11,405                  23,575
<SECURITIES-GAINS>                                   646                     655
<EXPENSE-OTHER>                                  263,638                 498,142
<INCOME-PRETAX>                                  123,429                 294,307
<INCOME-PRE-EXTRAORDINARY>                       123,429                  97,349
<EXTRAORDINARY>                                        0                       0
<CHANGES>                                              0                       0
<NET-INCOME>                                      81,849                 196,958
<EPS-BASIC>                                         0.56                    1.35
<EPS-DILUTED>                                       0.55                    1.34
<YIELD-ACTUAL>                                      3.84                    3.86
<LOANS-NON>                                       68,477                  57,015
<LOANS-PAST>                                      19,342                  12,131
<LOANS-TROUBLED>                                   1,506                   1,112
<LOANS-PROBLEM>                                        0                       0
<ALLOWANCE-OPEN>                                 156,231                 155,098
<CHARGE-OFFS>                                      8,568                  36,034
<RECOVERIES>                                       4,271                  12,409
<ALLOWANCE-CLOSE>                                157,774                 155,048
<ALLOWANCE-DOMESTIC>                             157,774                 155,048
<ALLOWANCE-FOREIGN>                                    0                       0
<ALLOWANCE-UNALLOCATED>                                0                       0