<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE 10-Q DATED NOVEMBER 14, 1995 FOR THE PERIOD ENDED SEPTEMBER 30, 1995
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-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                           3,183
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                    52
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,476
<INVESTMENTS-CARRYING>                           6,960
<INVESTMENTS-MARKET>                             6,903
<LOANS>                                         34,298
<ALLOWANCE>                                      1,872
<TOTAL-ASSETS>                                  49,934
<DEPOSITS>                                      38,948
<SHORT-TERM>                                     2,971
<LIABILITIES-OTHER>                              1,038
<LONG-TERM>                                      3,020
<COMMON>                                           237
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        489
<OTHER-SE>                                       3,148
<TOTAL-LIABILITIES-AND-EQUITY>                  49,934
<INTEREST-LOAN>                                  2,536
<INTEREST-INVEST>                                  460
<INTEREST-OTHER>                                     2
<INTEREST-TOTAL>                                 3,074
<INTEREST-DEPOSIT>                                 750
<INTEREST-EXPENSE>                               1,087
<INTEREST-INCOME-NET>                            1,987
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                (15)
<EXPENSE-OTHER>                                  1,638
<INCOME-PRETAX>                                  1,239
<INCOME-PRE-EXTRAORDINARY>                         726
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       726
<EPS-PRIMARY>                                    14.14
<EPS-DILUTED>                                    13.83
<YIELD-ACTUAL>                                    5.72
<LOANS-NON>                                        586
<LOANS-PAST>                                       135
<LOANS-TROUBLED>                                    14
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,082
<CHARGE-OFFS>                                      295
<RECOVERIES>                                        85
<ALLOWANCE-CLOSE>                                1,872
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0