<ARTICLE> 9 
<LEGEND>
This schedule contains selected summary financial information extracted from
the Consolidated Balance Sheet at December 31, 1995 and Consolidated Statement 
of Income for the twelve months ended December 31, 1995 and is qualified in its 
entirety by reference to such financial statements.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000,000 
<CURRENCY> U.S.DOLLARS 
       
                             
<PERIOD-TYPE>                   12-MOS 
<FISCAL-YEAR-END>                          DEC-31-1995 
<PERIOD-START>                             JAN-01-1995 
<PERIOD-END>                               DEC-31-1995 
<EXCHANGE-RATE>                                      1 
<CASH>                                          14,794
<INT-BEARING-DEPOSITS>                           8,468
<FED-FUNDS-SOLD>                                17,461
<TRADING-ASSETS>                                52,037
<INVESTMENTS-HELD-FOR-SALE>                     37,141
<INVESTMENTS-CARRYING>                           4,628
<INVESTMENTS-MARKET>                             4,659
<LOANS>                                        150,207
<ALLOWANCE>                                      3,784
<TOTAL-ASSETS>                                 303,989
<DEPOSITS>                                     171,534
<SHORT-TERM>                                    51,199
<LIABILITIES-OTHER>                             45,680
<LONG-TERM>                                     12,825
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,650
<COMMON>                                           458
<OTHER-SE>                                      17,728
<TOTAL-LIABILITIES-AND-EQUITY>                 303,989
<INTEREST-LOAN>                                 12,903
<INTEREST-INVEST>                                2,591
<INTEREST-OTHER>                                 2,713
<INTEREST-TOTAL>                                19,592
<INTEREST-DEPOSIT>                               6,291
<INTEREST-EXPENSE>                              11,408
<INTEREST-INCOME-NET>                            8,184
<LOAN-LOSSES>                                      758
<SECURITIES-GAINS>                                 132
<EXPENSE-OTHER>                                  9,390
<INCOME-PRETAX>                                  4,812
<INCOME-PRE-EXTRAORDINARY>                       2,970
<EXTRAORDINARY>                                    (11)
<CHANGES>                                            0
<NET-INCOME>                                     2,959
<EPS-PRIMARY>                                     6.33
<EPS-DILUTED>                                     6.04
<YIELD-ACTUAL>                                    3.37
<LOANS-NON>                                      1,454
<LOANS-PAST>                                       664
<LOANS-TROUBLED>                                    39
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,894
<CHARGE-OFFS>                                    1,278
<RECOVERIES>                                       438
<ALLOWANCE-CLOSE>                                3,784
<ALLOWANCE-DOMESTIC>                             3,353
<ALLOWANCE-FOREIGN>                                431
<ALLOWANCE-UNALLOCATED>                              0