<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q
DATED AUGUST 8, 1996 FOR THE PERIOD ENDED JUNE 30, 1996 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           8,882
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,344
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,692
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         70,541
<ALLOWANCE>                                      2,273
<TOTAL-ASSETS>                                 108,586
<DEPOSITS>                                      83,868
<SHORT-TERM>                                     1,206
<LIABILITIES-OTHER>                              3,042
<LONG-TERM>                                      5,230
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        839
<COMMON>                                           475
<OTHER-SE>                                      13,716
<TOTAL-LIABILITIES-AND-EQUITY>                 108,586
<INTEREST-LOAN>                                  2,494
<INTEREST-INVEST>                                  353
<INTEREST-OTHER>                                     7
<INTEREST-TOTAL>                                 2,864
<INTEREST-DEPOSIT>                                 695
<INTEREST-EXPENSE>                                 888
<INTEREST-INCOME-NET>                            1,976
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,844
<INCOME-PRETAX>                                  1,125
<INCOME-PRE-EXTRAORDINARY>                         627
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       627
<EPS-PRIMARY>                                     8.39
<EPS-DILUTED>                                     8.19
<YIELD-ACTUAL>                                    6.08
<LOANS-NON>                                        731
<LOANS-PAST>                                       284
<LOANS-TROUBLED>                                    11
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,794
<CHARGE-OFFS>                                      380
<RECOVERIES>                                        89
<ALLOWANCE-CLOSE>                                2,273
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0