Nine Months Ended
				September 30				Years Ended December 31
				(dollar amounts in thousands)
				1999		1998		1998		1997		1996		1995		1994
Earnings:
		Income before income taxes		$282,038		$277,028		$343,694		$341,843		$287,089		$266,780		$233,551
		Fixed charges		95,718		104,268		137,875		116,581		84,180		82,541		38,730
				$377,756		$381,296		$481,569		$458,424		$371,269		$349,321		$272,281
Fixed charges:
		Interest expense
			(other than interest on deposits)	$95,718		$104,268		$137,875		$116,581		$84,180		$82,541		$38,730
		Interest factor in rent expense		--		--		--		--		--		--		--
				$95,718		$104,268		$137,875		$116,581		$84,180		$82,541		$38,730
Ratio of earnings to fixed charges,
excluding interest on deposits				3.95		3.66		3.49		3.93		4.41		4.23		7.03
Including Interest on Deposits
Earnings:
		Income before income taxes		$282,038		$277,028		$343,694		$341,843		$287,089		$266,780		$233,551
		Fixed charges		449,676		481,551		639,747		636,330		582,177		555,797		357,750
				$731,714		$758,579		$983,441		$978,173		$869,266		$822,577		$591,301
Fixed charges:
		Interest expense		$449,676		$481,551		$639,747		$636,330		$582,177		$555,797		$357,750
		Interest factor in rent expense		--		--		--		--		--		--		--
				$449,676		$481,551		$639,747		$636,330		$582,177		$555,797		$357,750
Ratio of earnings to fixed charges,
including interest on deposits				1.63		1.58		1.54		1.54		1.49		1.48		1.65

The Corporation has no preferred stock outstanding during any period presented. Accordingly, its ratio of earnings to combined fixed charges and preferred stock dividends is the same as its ratio of earnings to fixed charges.