<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
JUNE 30, 1997 QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                            4038
<INT-BEARING-DEPOSITS>                              26
<FED-FUNDS-SOLD>                                   453
<TRADING-ASSETS>                                  1503
<INVESTMENTS-HELD-FOR-SALE>                      19627
<INVESTMENTS-CARRYING>                             737
<INVESTMENTS-MARKET>                               762
<LOANS>                                          40784
<ALLOWANCE>                                       1071
<TOTAL-ASSETS>                                   83856
<DEPOSITS>                                       51971
<SHORT-TERM>                                      9480
<LIABILITIES-OTHER>                               3854
<LONG-TERM>                                      12044
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        188
<COMMON>                                           635
<OTHER-SE>                                        5684
<TOTAL-LIABILITIES-AND-EQUITY>                   83856
<INTEREST-LOAN>                                   2211
<INTEREST-INVEST>                                  704
<INTEREST-OTHER>                                   354
<INTEREST-TOTAL>                                  3269
<INTEREST-DEPOSIT>                                 715
<INTEREST-EXPENSE>                                1311
<INTEREST-INCOME-NET>                             1958
<LOAN-LOSSES>                                      232
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                   2161
<INCOME-PRETAX>                                   1006
<INCOME-PRE-EXTRAORDINARY>                         653
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       653
<EPS-PRIMARY>                                     1.70
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    5.66
<LOANS-NON>                                        188
<LOANS-PAST>                                       115
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1041
<CHARGE-OFFS>                                      304
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                                 1071
<ALLOWANCE-DOMESTIC>                               672
<ALLOWANCE-FOREIGN>                                 35
<ALLOWANCE-UNALLOCATED>                            364