<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 2,611,765 <INT-BEARING-DEPOSITS> 83,166 <FED-FUNDS-SOLD> 1,225,671 <TRADING-ASSETS> 58,361 <INVESTMENTS-HELD-FOR-SALE> 10,347,172 <INVESTMENTS-CARRYING> 923,130 <INVESTMENTS-MARKET> 973,801 <LOANS> 24,050,903 <ALLOWANCE> 452,560 <TOTAL-ASSETS> 41,123,489 <DEPOSITS> 31,978,137 <SHORT-TERM> 4,377,964 <LIABILITIES-OTHER> 551,512 <LONG-TERM> 615,129 <PREFERRED-MANDATORY> 961 <PREFERRED> 99,324 <COMMON> 158,068 <OTHER-SE> 3,342,394 <TOTAL-LIABILITIES-AND-EQUITY> 41,123,489 <INTEREST-LOAN> 2,107,749 <INTEREST-INVEST> 718,677 <INTEREST-OTHER> 46,864 <INTEREST-TOTAL> 2,873,290 <INTEREST-DEPOSIT> 1,025,459 <INTEREST-EXPENSE> 1,381,318 <INTEREST-INCOME-NET> 1,491,972 <LOAN-LOSSES> 59,756 <SECURITIES-GAINS> (7,040) <EXPENSE-OTHER> 1,450,825 <INCOME-PRETAX> 261,010 <INCOME-PRE-EXTRAORDINARY> 261,010 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 480,011 <EPS-PRIMARY> 3.02 <EPS-DILUTED> 3.02 <YIELD-ACTUAL> 4.24 <LOANS-NON> 165,440 <LOANS-PAST> 37,349 <LOANS-TROUBLED> 7,996 <LOANS-PROBLEM> 658,100 <ALLOWANCE-OPEN> 449,485 <CHARGE-OFFS> 118,639 <RECOVERIES> 54,152 <ALLOWANCE-CLOSE> 452,560 <ALLOWANCE-DOMESTIC> 418,160 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 34,400