<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
JUNE 30, 1996 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-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                            3890
<INT-BEARING-DEPOSITS>                              35
<FED-FUNDS-SOLD>                                  1054
<TRADING-ASSETS>                                   398
<INVESTMENTS-HELD-FOR-SALE>                      17222
<INVESTMENTS-CARRYING>                             810
<INVESTMENTS-MARKET>                               826
<LOANS>                                          38652
<ALLOWANCE>                                       1009
<TOTAL-ASSETS>                                   77849
<DEPOSITS>                                       46284
<SHORT-TERM>                                      9336
<LIABILITIES-OTHER>                               2806
<LONG-TERM>                                      13788
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        188
<COMMON>                                           625
<OTHER-SE>                                        4822
<TOTAL-LIABILITIES-AND-EQUITY>                   77849
<INTEREST-LOAN>                                   2094
<INTEREST-INVEST>                                  578
<INTEREST-OTHER>                                   427
<INTEREST-TOTAL>                                  3099
<INTEREST-DEPOSIT>                                 636
<INTEREST-EXPENSE>                                1292
<INTEREST-INCOME-NET>                             1807
<LOAN-LOSSES>                                      175
<SECURITIES-GAINS>                                (44)
<EXPENSE-OTHER>                                   1963
<INCOME-PRETAX>                                    873
<INCOME-PRE-EXTRAORDINARY>                         873
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       557
<EPS-PRIMARY>                                     1.50
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    5.62
<LOANS-NON>                                        182
<LOANS-PAST>                                        93
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   917
<CHARGE-OFFS>                                      229
<RECOVERIES>                                        60
<ALLOWANCE-CLOSE>                                 1009
<ALLOWANCE-DOMESTIC>                               689
<ALLOWANCE-FOREIGN>                                 27
<ALLOWANCE-UNALLOCATED>                            293