Exhibit 11

Fully Diluted Earnings Per Common Share and Fully Diluted Average Common Shares 
Outstanding

	For fully diluted earnings per common share, net income available to common 
shareholders can be affected by the conversion of the registrants convertible 
preferred stock.  Where the effect of this conversion would have been dilutive,
net income available to common shareholders is adjusted by the associated 
preferred dividends.  This adjusted net income is divided by the weighted 
average number of common shares outstanding for each period plus amounts 
representing the dilutive effect of stock options outstanding and the dilution 
resulting from the conversion of the registrant's convertible preferred stock, 
if applicable.  The effect of convertible preferred stock is excluded from the 
computation of fully diluted earnings per share in periods in which the effect 
would be antidilutive.
	Fully diluted earnings per common share was determined as follows (shares 
in thousands, dollars in millions except per-share information):



                                             												Three Months Ended
											                                                 		March 31
                                                         -------------------
											                                               	1996		    1995
                                                         --------   --------
                                                            
Average common shares outstanding...................      300,279	  276,415

Dilutive effect of
	Convertible preferred stock........................        2,263	    2,358
	Stock Options......................................        2,931	    1,224
                                                         --------   --------                                                       
Total fully dilutive shares.........................      305,473	  279,997
                                                         ========   ========
																
Income available to common shareholders.............    $	    509	$   	 441	
Preferred dividends paid on dilutive convertible
	preferred stock....................................  	    	    2	    	   2
                                                         --------   --------	
Total net income available for common shareholders..  						
	adjusted for full dilution.....................        $	    511	$	    443	
																                                         ========   ========
Fully diluted earnings per share....................    $	   1.67	$   	1.58	
                                                         ========   ========

                                         43