<ARTICLE> 9

<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                         550,311
<INT-BEARING-DEPOSITS>                          10,939
<FED-FUNDS-SOLD>                                57,366
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,913,854
<INVESTMENTS-CARRYING>                         498,557
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     10,524,187
<ALLOWANCE>                                    156,464
<TOTAL-ASSETS>                              18,493,626
<DEPOSITS>                                  11,944,544
<SHORT-TERM>                                 4,103,436
<LIABILITIES-OTHER>                            138,850
<LONG-TERM>                                    987,933
<PREFERRED-MANDATORY>                           98,775
<PREFERRED>                                          0
<COMMON>                                         1,495
<OTHER-SE>                                   1,218,592
<TOTAL-LIABILITIES-AND-EQUITY>              18,493,626
<INTEREST-LOAN>                                430,964
<INTEREST-INVEST>                              225,483
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               656,447
<INTEREST-DEPOSIT>                             195,859
<INTEREST-EXPENSE>                             152,250
<INTEREST-INCOME-NET>                          308,338
<LOAN-LOSSES>                                   10,917
<SECURITIES-GAINS>                            (15,870)
<EXPENSE-OTHER>                                280,348
<INCOME-PRETAX>                                108,128
<INCOME-PRE-EXTRAORDINARY>                     108,128
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    68,779
<EPS-BASIC>                                       0.48
<EPS-DILUTED>                                     0.47
<YIELD-ACTUAL>                                    3.67
<LOANS-NON>                                     49,355
<LOANS-PAST>                                     7,211
<LOANS-TROUBLED>                                   731
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               155,078
<CHARGE-OFFS>                                    6,795
<RECOVERIES>                                     2,332
<ALLOWANCE-CLOSE>                              156,464
<ALLOWANCE-DOMESTIC>                           156,464
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0