<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 8-K
DATED JULY 15, 1997 FOR THE PERIOD ENDED JUNE 30, 1997 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           8,037
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   224
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,530
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         65,689
<ALLOWANCE>                                      1,850
<TOTAL-ASSETS>                                 100,180
<DEPOSITS>                                      73,748
<SHORT-TERM>                                     4,445
<LIABILITIES-OTHER>                              3,065
<LONG-TERM>                                      5,719
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        275
<COMMON>                                           440
<OTHER-SE>                                      12,391
<TOTAL-LIABILITIES-AND-EQUITY>                 100,180
<INTEREST-LOAN>                                  3,057
<INTEREST-INVEST>                                  398
<INTEREST-OTHER>                                    24
<INTEREST-TOTAL>                                 3,490
<INTEREST-DEPOSIT>                                 851
<INTEREST-EXPENSE>                               1,131
<INTEREST-INCOME-NET>                            2,359
<LOAN-LOSSES>                                      245
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  2,363
<INCOME-PRETAX>                                  1,070
<INCOME-PRE-EXTRAORDINARY>                         568
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       568
<EPS-PRIMARY>                                     6.12
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    6.03
<LOANS-NON>                                        602
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    10
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,018
<CHARGE-OFFS>                                      545
<RECOVERIES>                                       132
<ALLOWANCE-CLOSE>                                1,850
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0