<TABLE> <S> <C>

<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000


<S>                                       <C>

<PERIOD-TYPE>                                         3-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    MAR-31-2000

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<TRADING-ASSETS>                                           0
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<LONG-TERM>                                        4,745,450
<COMMON>                                               9,846
                                      0
                                                0
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<INTEREST-DEPOSIT>                                   440,277
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<SECURITIES-GAINS>                                        11
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<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
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<EPS-BASIC>                                           0.32
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<ALLOWANCE-CLOSE>                                    714,966
<ALLOWANCE-DOMESTIC>                                 714,966
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0


</TABLE>



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