<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR
THE PERIOD ENDED SEPTEMBER 30, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          12,011
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,556
<TRADING-ASSETS>                                 2,326
<INVESTMENTS-HELD-FOR-SALE>                     36,906
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        114,709
<ALLOWANCE>                                      3,167
<TOTAL-ASSETS>                                 207,060
<DEPOSITS>                                     131,557
<SHORT-TERM>                                    19,248
<LIABILITIES-OTHER>                              8,377
<LONG-TERM>                                     25,696
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        460
<COMMON>                                         2,777
<OTHER-SE>                                      18,945
<TOTAL-LIABILITIES-AND-EQUITY>                 207,060
<INTEREST-LOAN>                                  7,912
<INTEREST-INVEST>                                1,612
<INTEREST-OTHER>                                 1,101
<INTEREST-TOTAL>                                10,625
<INTEREST-DEPOSIT>                               2,075
<INTEREST-EXPENSE>                               3,666
<INTEREST-INCOME-NET>                            6,959
<LOAN-LOSSES>                                      770
<SECURITIES-GAINS>                                  19
<EXPENSE-OTHER>                                  7,124
<INCOME-PRETAX>                                  4,415
<INCOME-PRE-EXTRAORDINARY>                       2,777
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,777
<EPS-BASIC>                                       1.67<F1>
<EPS-DILUTED>                                     1.65
<YIELD-ACTUAL>                                    5.67
<LOANS-NON>                                        697
<LOANS-PAST>                                       466
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,134
<CHARGE-OFFS>                                    1,117
<RECOVERIES>                                       342
<ALLOWANCE-CLOSE>                                3,167
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>AMOUNT REPRESENTS BASIC EARNINGS PER COMMON SHARE PURSUANT TO FAS 128.
</FN>