<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
JUNE 30, 1995 QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                            3273
<INT-BEARING-DEPOSITS>                              26
<FED-FUNDS-SOLD>                                   562
<TRADING-ASSETS>                                   211
<INVESTMENTS-HELD-FOR-SALE>                      14008
<INVESTMENTS-CARRYING>                            1454
<INVESTMENTS-MARKET>                              1513
<LOANS>                                          36277
<ALLOWANCE>                                        855
<TOTAL-ASSETS>                                   66623
<DEPOSITS>                                       38190
<SHORT-TERM>                                      8617
<LIABILITIES-OTHER>                               2708
<LONG-TERM>                                      12382
<COMMON>                                           564
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        530
<OTHER-SE>                                        3632
<TOTAL-LIABILITIES-AND-EQUITY>                   66623
<INTEREST-LOAN>                                   1870
<INTEREST-INVEST>                                  554
<INTEREST-OTHER>                                   253
<INTEREST-TOTAL>                                  2677
<INTEREST-DEPOSIT>                                 550
<INTEREST-EXPENSE>                                1135
<INTEREST-INCOME-NET>                             1542
<LOAN-LOSSES>                                      130
<SECURITIES-GAINS>                                (23)
<EXPENSE-OTHER>                                   1587
<INCOME-PRETAX>                                    673
<INCOME-PRE-EXTRAORDINARY>                         673
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       451
<EPS-PRIMARY>                                     1.34
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    5.58
<LOANS-NON>                                        121
<LOANS-PAST>                                        92
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   790
<CHARGE-OFFS>                                      181
<RECOVERIES>                                        59
<ALLOWANCE-CLOSE>                                  855
<ALLOWANCE-DOMESTIC>                               564
<ALLOWANCE-FOREIGN>                                 27
<ALLOWANCE-UNALLOCATED>                            264