<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
MARCH 31, 1997 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           4,157
<INT-BEARING-DEPOSITS>                              31
<FED-FUNDS-SOLD>                                 1,201
<TRADING-ASSETS>                                   327
<INVESTMENTS-HELD-FOR-SALE>                     21,498
<INVESTMENTS-CARRYING>                             736
<INVESTMENTS-MARKET>                               769
<LOANS>                                         40,369
<ALLOWANCE>                                      1,062
<TOTAL-ASSETS>                                  83,580
<DEPOSITS>                                      52,026
<SHORT-TERM>                                     8,705
<LIABILITIES-OTHER>                              4,691
<LONG-TERM>                                     11,971
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        187
<COMMON>                                           635
<OTHER-SE>                                       5,365
<TOTAL-LIABILITIES-AND-EQUITY>                  83,580
<INTEREST-LOAN>                                  1,095
<INTEREST-INVEST>                                  333
<INTEREST-OTHER>                                   179
<INTEREST-TOTAL>                                 1,607
<INTEREST-DEPOSIT>                                 356
<INTEREST-EXPENSE>                                 649
<INTEREST-INCOME-NET>                              958
<LOAN-LOSSES>                                      109
<SECURITIES-GAINS>                                 (4)
<EXPENSE-OTHER>                                  1,048
<INCOME-PRETAX>                                    492
<INCOME-PRE-EXTRAORDINARY>                         492
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       322
<EPS-PRIMARY>                                      .84
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    5.62
<LOANS-NON>                                        174
<LOANS-PAST>                                        94
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,041
<CHARGE-OFFS>                                      147
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                1,062
<ALLOWANCE-DOMESTIC>                               679
<ALLOWANCE-FOREIGN>                                 36
<ALLOWANCE-UNALLOCATED>                            347