<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR
THE PERIOD ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          14,168
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,409
<TRADING-ASSETS>                                 4,976
<INVESTMENTS-HELD-FOR-SALE>                     34,604
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        135,046
<ALLOWANCE>                                      3,349
<TOTAL-ASSETS>                                 234,159
<DEPOSITS>                                     146,448
<SHORT-TERM>                                    26,304
<LIABILITIES-OTHER>                             10,856
<LONG-TERM>                                     27,424
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        265
<COMMON>                                         2,777
<OTHER-SE>                                      20,085
<TOTAL-LIABILITIES-AND-EQUITY>                 234,159
<INTEREST-LOAN>                                  6,131
<INTEREST-INVEST>                                1,218
<INTEREST-OTHER>                                   722
<INTEREST-TOTAL>                                 8,071
<INTEREST-DEPOSIT>                               1,632
<INTEREST-EXPENSE>                               3,161
<INTEREST-INCOME-NET>                            4,910
<LOAN-LOSSES>                                      515
<SECURITIES-GAINS>                               (641)
<EXPENSE-OTHER>                                  5,103
<INCOME-PRETAX>                                  3,294
<INCOME-PRE-EXTRAORDINARY>                       2,049
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,049
<EPS-BASIC>                                       1.26
<EPS-DILUTED>                                     1.25
<YIELD-ACTUAL>                                    5.56
<LOANS-NON>                                        801
<LOANS-PAST>                                       433
<LOANS-TROUBLED>                                     3
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,170
<CHARGE-OFFS>                                      717
<RECOVERIES>                                       217
<ALLOWANCE-CLOSE>                                3,349
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0