<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
10-Q DATED NOVEMBER 14, 1996 FOR THE PERIOD ENDED SEPTEMBER 30, 1996 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          11,622
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   284
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,433
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         69,233
<ALLOWANCE>                                      2,137
<TOTAL-ASSETS>                                 109,176
<DEPOSITS>                                      83,737
<SHORT-TERM>                                     1,383
<LIABILITIES-OTHER>                              3,366
<LONG-TERM>                                      5,411
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      1,039
<COMMON>                                           464
<OTHER-SE>                                      13,420
<TOTAL-LIABILITIES-AND-EQUITY>                 109,176
<INTEREST-LOAN>                                  4,106
<INTEREST-INVEST>                                  568
<INTEREST-OTHER>                                    16
<INTEREST-TOTAL>                                 4,711
<INTEREST-DEPOSIT>                               1,140
<INTEREST-EXPENSE>                               1,440
<INTEREST-INCOME-NET>                            3,271
<LOAN-LOSSES>                                       35
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  3,149
<INCOME-PRETAX>                                  1,723
<INCOME-PRE-EXTRAORDINARY>                         948
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       948
<EPS-PRIMARY>                                    11.42
<EPS-DILUTED>                                    11.20
<YIELD-ACTUAL>                                    6.11
<LOANS-NON>                                        717
<LOANS-PAST>                                       320
<LOANS-TROUBLED>                                    11
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,794
<CHARGE-OFFS>                                      603
<RECOVERIES>                                       141
<ALLOWANCE-CLOSE>                                2,137
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0