<ARTICLE> 9
<LEGEND>
This schedule contains selected summary financial information extracted from the
Consolidated Balance Sheet at December 31, 1999 and Consolidated Statement of
Income for the 12 months ended December 31, 1999 and is qualified in its
entirety by reference to such financial statements and disclosures.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          16,229
<INT-BEARING-DEPOSITS>                          28,076
<FED-FUNDS-SOLD>                                23,823
<TRADING-ASSETS>                                63,269
<INVESTMENTS-HELD-FOR-SALE>                     60,625
<INVESTMENTS-CARRYING>                             888
<INVESTMENTS-MARKET>                               876
<LOANS>                                        176,159
<ALLOWANCE>                                      3,457
<TOTAL-ASSETS>                                 406,105
<DEPOSITS>                                     241,745
<SHORT-TERM>                                    63,802
<LIABILITIES-OTHER>                             55,629
<LONG-TERM>                                     17,602
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        928
<COMMON>                                           882
<OTHER-SE>                                      21,807
<TOTAL-LIABILITIES-AND-EQUITY>                 406,105
<INTEREST-LOAN>                                 13,113
<INTEREST-INVEST>                                3,216
<INTEREST-OTHER>                                 2,203
<INTEREST-TOTAL>                                20,237
<INTEREST-DEPOSIT>                               6,592
<INTEREST-EXPENSE>                              11,493
<INTEREST-INCOME-NET>                            8,744
<LOAN-LOSSES>                                    1,621
<SECURITIES-GAINS>                                 101
<EXPENSE-OTHER>                                 12,221
<INCOME-PRETAX>                                  8,375
<INCOME-PRE-EXTRAORDINARY>                       5,446
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,446
<EPS-BASIC>                                       6.49
<EPS-DILUTED>                                     6.27
<YIELD-ACTUAL>                                    2.98
<LOANS-NON>                                      1,660
<LOANS-PAST>                                       414
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,552
<CHARGE-OFFS>                                    1,987
<RECOVERIES>                                       254
<ALLOWANCE-CLOSE>                                3,457
<ALLOWANCE-DOMESTIC>                             2,666
<ALLOWANCE-FOREIGN>                                791
<ALLOWANCE-UNALLOCATED>                              0