<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-K FOR
THE YEAR ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          13,250
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,554
<TRADING-ASSETS>                                 2,667
<INVESTMENTS-HELD-FOR-SALE>                     38,518
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        119,464
<ALLOWANCE>                                      3,170
<TOTAL-ASSETS>                                 218,102
<DEPOSITS>                                     132,708
<SHORT-TERM>                                    27,995
<LIABILITIES-OTHER>                             11,108
<LONG-TERM>                                     24,160
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        271
<COMMON>                                         2,777
<OTHER-SE>                                      19,083
<TOTAL-LIABILITIES-AND-EQUITY>                 218,102
<INTEREST-LOAN>                                 10,761
<INTEREST-INVEST>                                2,176
<INTEREST-OTHER>                                 1,438
<INTEREST-TOTAL>                                14,375
<INTEREST-DEPOSIT>                               2,757
<INTEREST-EXPENSE>                               5,020
<INTEREST-INCOME-NET>                            9,355
<LOAN-LOSSES>                                    1,045
<SECURITIES-GAINS>                               (241)
<EXPENSE-OTHER>                                  9,782
<INCOME-PRETAX>                                  5,948
<INCOME-PRE-EXTRAORDINARY>                       3,747
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,747
<EPS-BASIC>                                       2.26
<EPS-DILUTED>                                     2.23
<YIELD-ACTUAL>                                    5.66
<LOANS-NON>                                        665
<LOANS-PAST>                                       401
<LOANS-TROUBLED>                                     4
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,134
<CHARGE-OFFS>                                    1,485
<RECOVERIES>                                       436
<ALLOWANCE-CLOSE>                                3,170
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,403