<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       2,847,699
<INT-BEARING-DEPOSITS>                           8,109
<FED-FUNDS-SOLD>                             1,613,080
<TRADING-ASSETS>                               668,709
<INVESTMENTS-HELD-FOR-SALE>                 17,382,207
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     72,796,102<F1>
<ALLOWANCE>                                    874,484
<TOTAL-ASSETS>                              99,750,810
<DEPOSITS>                                  68,676,435
<SHORT-TERM>                                11,579,487
<LIABILITIES-OTHER>                          3,665,475
<LONG-TERM>                                  8,250,459
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       323,163
<OTHER-SE>                                   7,255,791
<TOTAL-LIABILITIES-AND-EQUITY>              99,750,810
<INTEREST-LOAN>                              2,722,732<F2>
<INTEREST-INVEST>                              503,631
<INTEREST-OTHER>                                56,515
<INTEREST-TOTAL>                             3,282,878
<INTEREST-DEPOSIT>                           1,145,217
<INTEREST-EXPENSE>                           1,731,255
<INTEREST-INCOME-NET>                        1,551,623
<LOAN-LOSSES>                                   49,985
<SECURITIES-GAINS>                               8,393
<EXPENSE-OTHER>                              1,424,099
<INCOME-PRETAX>                                958,361
<INCOME-PRE-EXTRAORDINARY>                     636,908
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   636,908
<EPS-BASIC>                                       2.11
<EPS-DILUTED>                                     2.09
<YIELD-ACTUAL>                                    3.55
<LOANS-NON>                                    282,486
<LOANS-PAST>                                   189,435
<LOANS-TROUBLED>                                     5
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               871,323
<CHARGE-OFFS>                                   75,619
<RECOVERIES>                                    28,795
<ALLOWANCE-CLOSE>                              874,484
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         59,508
<FN>
<F1>Includes loans held for sale of 1,345,694
<F2>Includes interest on loans held for sale of 48,829
</FN>