Six Months Ended
	June 30,				Years Ended December 31
	(dollar amounts in thousands)
	1999		1998		1998		1997		1996		1995		1994
Earnings:
Income before income	$184,058		$163,833		$304,748		$304,273		$270,030		$241,416		$233,551
Fixed charges	53,026		68,530		123,260		100,254		71,047		71,161		38,730
	$237,084		$232,363		$428,008		$404,527		$341,077		$312,577		$272,281
Fixed charges:
Interest expense
(other than interest on deposits)	$53,026		$68,530		$123,260		$100,254		$71,047		$71,161		$38,730
Interest factor in rent expense	--		--		--		--		--		--		--
	$53,026		$68,530		$123,260		$100,254		$71,047		$71,161		$38,730
Ratio of earnings to fixed charges,
excluding interest on deposits	4.47		3.39		3.47		4.04		4.80		4.39		7.03
Including Interest On Deposits,
Earnings:
Income before income taxes	$184,058		$163,833		$304,748		$304,273		$270,030		$241,416		$233,551
Fixed charges	266,019		291,717		568,548		563,838		518,561		496,870		357,750
	$450,077		$455,550		$873,296		$868,111		$788,591		$738,286		$591,301
Fixed charges:
Interest expense	$266,019		$291,717		$568,548		$563,838		$518,561		$496,870		$357,750
Interest factor in rent expense	--		--		--		--		--		--		--
	$266,019		$291,717		$568,548		$563,838		$518,561		$496,870		$357,750
Ratio of earnings to fixed charges,
including interest on deposits	1.69		1.56		1.54		1.54		1.52		1.49		1.65

The Corporation had 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.