<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995 
<PERIOD-END>                               DEC-31-1995
<CASH>                                       2,641,365
<INT-BEARING-DEPOSITS>                          28,787
<FED-FUNDS-SOLD>                             1,299,407
<TRADING-ASSETS>                                96,613
<INVESTMENTS-HELD-FOR-SALE>                  9,676,934
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     31,301,389
<ALLOWANCE>                                    698,864
<TOTAL-ASSETS>                              46,471,472
<DEPOSITS>                                  33,183,194
<SHORT-TERM>                                 6,378,221
<LIABILITIES-OTHER>                          1,638,079
<LONG-TERM>                                  1,002,397
<COMMON>                                       130,461
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   4,139,120
<TOTAL-LIABILITIES-AND-EQUITY>              46,471,472
<INTEREST-LOAN>                              2,501,536
<INTEREST-INVEST>                              487,036
<INTEREST-OTHER>                                38,632
<INTEREST-TOTAL>                             3,027,204
<INTEREST-DEPOSIT>                             988,725
<INTEREST-EXPENSE>                           1,350,762
<INTEREST-INCOME-NET>                        1,676,442
<LOAN-LOSSES>                                  112,108
<SECURITIES-GAINS>                              (6,649)
<EXPENSE-OTHER>                              1,451,479
<INCOME-PRETAX>                                825,925
<INCOME-PRE-EXTRAORDINARY>                     565,476
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   565,476
<EPS-PRIMARY>                                     4.94
<EPS-DILUTED>                                     4.94
<YIELD-ACTUAL>                                    4.49
<LOANS-NON>                                    189,279
<LOANS-PAST>                                    24,256
<LOANS-TROUBLED>                                 2,930
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               647,016
<CHARGE-OFFS>                                  120,766
<RECOVERIES>                                    54,170
<ALLOWANCE-CLOSE>                              698,864
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        698,864