<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
10-Q dated November 10, 1994 for the period ended September 30, 1994 and
is qualified in its entirety by reference to such financial information.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                           2,828
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                    36
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,140
<INVESTMENTS-CARRYING>                           9,120
<INVESTMENTS-MARKET>                             8,821
<LOANS>                                         34,951
<ALLOWANCE>                                      2,110
<TOTAL-ASSETS>                                  52,164
<DEPOSITS>                                      40,000
<SHORT-TERM>                                     3,915
<LIABILITIES-OTHER>                                954
<LONG-TERM>                                      3,192
<COMMON>                                           264
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        489
<OTHER-SE>                                       3,269
<TOTAL-LIABILITIES-AND-EQUITY>                  52,164
<INTEREST-LOAN>                                  2,206
<INTEREST-INVEST>                                  567
<INTEREST-OTHER>                                     8
<INTEREST-TOTAL>                                 2,781
<INTEREST-DEPOSIT>                                 624
<INTEREST-EXPENSE>                                 827
<INTEREST-INCOME-NET>                            1,954
<LOAN-LOSSES>                                      170
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  1,580
<INCOME-PRETAX>                                  1,110
<INCOME-PRE-EXTRAORDINARY>                         625
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       625
<EPS-PRIMARY>                                    10.83
<EPS-DILUTED>                                    10.56
<YIELD-ACTUAL>                                    5.55
<LOANS-NON>                                        637
<LOANS-PAST>                                       113
<LOANS-TROUBLED>                                     4
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,122
<CHARGE-OFFS>                                      290
<RECOVERIES>                                       108
<ALLOWANCE-CLOSE>                                2,110
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0