<ARTICLE> 9
<LEGEND>
This schedule contains selected summary financial information extracted from
the Consolidated Balance Sheet at March 31, 1997 and Consolidated Statement of
Income for the three months ended March 31, 1997 and is qualified in its 
entirety by reference to such financial statements.
</LEGEND>
<RESTATED> 
<MULTIPLIER> 1,000,000
<CURRENCY> U.S.DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          14,349
<INT-BEARING-DEPOSITS>                           3,298
<FED-FUNDS-SOLD>                                34,554
<TRADING-ASSETS>                                67,478
<INVESTMENTS-HELD-FOR-SALE>                     40,372
<INVESTMENTS-CARRYING>                           3,603
<INVESTMENTS-MARKET>                             3,561
<LOANS>                                        155,882
<ALLOWANCE>                                      3,550
<TOTAL-ASSETS>                                 340,338
<DEPOSITS>                                     176,030
<SHORT-TERM>                                    67,538
<LIABILITIES-OTHER>                             59,389
<LONG-TERM>                                     12,419
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,500
<COMMON>                                           441
<OTHER-SE>                                      17,801
<TOTAL-LIABILITIES-AND-EQUITY>                 340,338
<INTEREST-LOAN>                                  3,129
<INTEREST-INVEST>                                  722
<INTEREST-OTHER>                                   665
<INTEREST-TOTAL>                                 5,142
<INTEREST-DEPOSIT>                               1,515
<INTEREST-EXPENSE>                               3,074
<INTEREST-INCOME-NET>                            2,068
<LOAN-LOSSES>                                      220
<SECURITIES-GAINS>                                 101
<EXPENSE-OTHER>                                  2,447
<INCOME-PRETAX>                                  1,483
<INCOME-PRE-EXTRAORDINARY>                         927
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       927
<EPS-PRIMARY>                                     2.02
<EPS-DILUTED>                                     1.97
<YIELD-ACTUAL>                                    3.12
<LOANS-NON>                                        998
<LOANS-PAST>                                       441
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,549
<CHARGE-OFFS>                                      273
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                3,550
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0