<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
MANAGEMENT DISCUSSION.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                           2,110
<INT-BEARING-DEPOSITS>                          15,546
<FED-FUNDS-SOLD>                                16,992
<TRADING-ASSETS>                                   891
<INVESTMENTS-HELD-FOR-SALE>                     15,019
<INVESTMENTS-CARRYING>                           1,283
<INVESTMENTS-MARKET>                             1,272
<LOANS>                                          5,193
<ALLOWANCE>                                         50
<TOTAL-ASSETS>                                  60,530
<DEPOSITS>                                      36,154
<SHORT-TERM>                                    18,199
<LIABILITIES-OTHER>                              2,480
<LONG-TERM>                                        920
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           167
<OTHER-SE>                                       2,610
<TOTAL-LIABILITIES-AND-EQUITY>                  60,530
<INTEREST-LOAN>                                     67
<INTEREST-INVEST>                                  225
<INTEREST-OTHER>                                   434
<INTEREST-TOTAL>                                   726
<INTEREST-DEPOSIT>                                 218
<INTEREST-EXPENSE>                                 514
<INTEREST-INCOME-NET>                              212
<LOAN-LOSSES>                                        3
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    684
<INCOME-PRETAX>                                    230
<INCOME-PRE-EXTRAORDINARY>                         230
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       150
<EPS-BASIC>                                        .94
<EPS-DILUTED>                                      .92
<YIELD-ACTUAL>                                    5.38
<LOANS-NON>                                          7
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    48
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   50
<ALLOWANCE-DOMESTIC>                                35
<ALLOWANCE-FOREIGN>                                 15
<ALLOWANCE-UNALLOCATED>                              0