<ARTICLE> 9
<CURRENCY> U.S. DOLLARS

                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-END>                               SEP-30-2000             SEP-30-1999
<EXCHANGE-RATE>                                      1                       1
<CASH>                                         482,730                 414,719
<INT-BEARING-DEPOSITS>                           5,315                  21,775
<FED-FUNDS-SOLD>                                21,949                 161,659
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  5,761,558               6,548,078
<INVESTMENTS-CARRYING>                         474,978                 582,237
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                     10,741,024               9,645,941
<ALLOWANCE>                                    156,867                 156,953
<TOTAL-ASSETS>                              18,462,323              18,363,055
<DEPOSITS>                                  12,069,404              11,729,487
<SHORT-TERM>                                 3,902,847               1,100,270
<LIABILITIES-OTHER>                            143,337                 105,494
<LONG-TERM>                                    937,021               4,139,907
<PREFERRED-MANDATORY>                           98,775                  98,775
<PREFERRED>                                          0                       0
<COMMON>                                         1,496                   1,496
<OTHER-SE>                                   1,309,443               1,187,626
<TOTAL-LIABILITIES-AND-EQUITY>              18,462,323              18,363,055
<INTEREST-LOAN>                                659,766                 619,643
<INTEREST-INVEST>                              333,240                 284,590
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               993,006                 904,233
<INTEREST-DEPOSIT>                             302,978                 280,622
<INTEREST-EXPENSE>                             230,977                 159,243
<INTEREST-INCOME-NET>                          459,051                 464,368
<LOAN-LOSSES>                                   17,167                  17,570
<SECURITIES-GAINS>                            (15,893)                     655
<EXPENSE-OTHER>                                392,397                 380,847
<INCOME-PRETAX>                                196,609                 207,835
<INCOME-PRE-EXTRAORDINARY>                     196,609                 207,835
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   129,370                 138,123
<EPS-BASIC>                                       0.90                    0.95
<EPS-DILUTED>                                     0.89                    0.93
<YIELD-ACTUAL>                                    3.57                    3.79
<LOANS-NON>                                     48,516                  60,400
<LOANS-PAST>                                     8,195                  15,561
<LOANS-TROUBLED>                                   704                   1,395
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               156,464                 157,774
<CHARGE-OFFS>                                    7,842                   9,759
<RECOVERIES>                                     1,995                   2,773
<ALLOWANCE-CLOSE>                              156,867                 156,953
<ALLOWANCE-DOMESTIC>                           156,867                 156,953
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0