<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10Q
DATED MAY 14, 1997 FOR THE PERIOD ENDED MARCH 31, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           8,530
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   209
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,634
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         65,436
<ALLOWANCE>                                      1,922
<TOTAL-ASSETS>                                 101,863
<DEPOSITS>                                      76,427
<SHORT-TERM>                                     1,926
<LIABILITIES-OTHER>                              3,642
<LONG-TERM>                                      6,177
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        425
<COMMON>                                           450
<OTHER-SE>                                      12,720
<TOTAL-LIABILITIES-AND-EQUITY>                 101,863
<INTEREST-LOAN>                                  1,549
<INTEREST-INVEST>                                  208
<INTEREST-OTHER>                                    16
<INTEREST-TOTAL>                                 1,773
<INTEREST-DEPOSIT>                                 422
<INTEREST-EXPENSE>                                 561
<INTEREST-INCOME-NET>                            1,212
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  1,117
<INCOME-PRETAX>                                    630
<INCOME-PRE-EXTRAORDINARY>                         339
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       339
<EPS-PRIMARY>                                     3.62
<EPS-DILUTED>                                     3.58
<YIELD-ACTUAL>                                    6.14
<LOANS-NON>                                        645
<LOANS-PAST>                                       296
<LOANS-TROUBLED>                                    10
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,018
<CHARGE-OFFS>                                      270
<RECOVERIES>                                        69
<ALLOWANCE-CLOSE>                                1,922
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0