<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10Q
DATED AUGUST 9, 1995 FOR THE PERIOD ENDED JUNE 30, 1995 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-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                           2,848
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,473
<INVESTMENTS-CARRYING>                           7,662
<INVESTMENTS-MARKET>                             7,602
<LOANS>                                         33,896
<ALLOWANCE>                                      1,947
<TOTAL-ASSETS>                                  50,931
<DEPOSITS>                                      38,784
<SHORT-TERM>                                     4,225
<LIABILITIES-OTHER>                              1,022
<LONG-TERM>                                      2,967
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        489
<COMMON>                                           242
<OTHER-SE>                                       3,131
<TOTAL-LIABILITIES-AND-EQUITY>                  50,931
<INTEREST-LOAN>                                  1,681
<INTEREST-INVEST>                                  317
<INTEREST-OTHER>                                     2
<INTEREST-TOTAL>                                 2,056
<INTEREST-DEPOSIT>                                 496
<INTEREST-EXPENSE>                                 732
<INTEREST-INCOME-NET>                            1,324
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                (15)
<EXPENSE-OTHER>                                  1,096
<INCOME-PRETAX>                                    779
<INCOME-PRE-EXTRAORDINARY>                         465
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       465
<EPS-PRIMARY>                                     8.92
<EPS-DILUTED>                                     8.73
<YIELD-ACTUAL>                                    5.63
<LOANS-NON>                                        631
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    13
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,082
<CHARGE-OFFS>                                      181
<RECOVERIES>                                        46
<ALLOWANCE-CLOSE>                                1,947
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0