<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1996 ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           4,857
<INT-BEARING-DEPOSITS>                           1,238
<FED-FUNDS-SOLD>                                 1,277
<TRADING-ASSETS>                                   187
<INVESTMENTS-HELD-FOR-SALE>                     16,247
<INVESTMENTS-CARRYING>                             712
<INVESTMENTS-MARKET>                               745
<LOANS>                                         39,381
<ALLOWANCE>                                      1,041
<TOTAL-ASSETS>                                  80,175
<DEPOSITS>                                      50,130
<SHORT-TERM>                                     7,573
<LIABILITIES-OTHER>                              3,326
<LONG-TERM>                                     13,082
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        189
<COMMON>                                           626
<OTHER-SE>                                       5,249
<TOTAL-LIABILITIES-AND-EQUITY>                  80,175
<INTEREST-LOAN>                                  4,302
<INTEREST-INVEST>                                1,206
<INTEREST-OTHER>                                   810
<INTEREST-TOTAL>                                 6,318
<INTEREST-DEPOSIT>                               1,325
<INTEREST-EXPENSE>                               2,617
<INTEREST-INCOME-NET>                            3,701
<LOAN-LOSSES>                                      395
<SECURITIES-GAINS>                                (47)
<EXPENSE-OTHER>                                  4,090
<INCOME-PRETAX>                                  1,782
<INCOME-PRE-EXTRAORDINARY>                       1,782
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,154
<EPS-PRIMARY>                                     3.07
<EPS-DILUTED>                                     3.07
<YIELD-ACTUAL>                                    5.63
<LOANS-NON>                                        157
<LOANS-PAST>                                       111
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   917
<CHARGE-OFFS>                                      512
<RECOVERIES>                                       129
<ALLOWANCE-CLOSE>                                1,041
<ALLOWANCE-DOMESTIC>                               645
<ALLOWANCE-FOREIGN>                                 32
<ALLOWANCE-UNALLOCATED>                            364