<ARTICLE> 9
<LEGEND>
This schedule contains selected summary financial information extracted from
the Consolidated Balance Sheet at March 31, 1996 and Consolidated Statement of
Income for the three months ended March 31, 1996 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          10,846
<INT-BEARING-DEPOSITS>                           6,257
<FED-FUNDS-SOLD>                                19,292
<TRADING-ASSETS>                                48,445
<INVESTMENTS-HELD-FOR-SALE>                     38,646
<INVESTMENTS-CARRYING>                           4,398
<INVESTMENTS-MARKET>                             4,382
<LOANS>                                        149,331
<ALLOWANCE>                                      3,683
<TOTAL-ASSETS>                                 301,984
<DEPOSITS>                                     168,934
<SHORT-TERM>                                    50,115
<LIABILITIES-OTHER>                             48,131
<LONG-TERM>                                     12,977
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,650
<COMMON>                                           438
<OTHER-SE>                                      16,679
<TOTAL-LIABILITIES-AND-EQUITY>                 301,984
<INTEREST-LOAN>                                  3,259
<INTEREST-INVEST>                                  720
<INTEREST-OTHER>                                   673
<INTEREST-TOTAL>                                 5,065
<INTEREST-DEPOSIT>                               1,644
<INTEREST-EXPENSE>                               2,897
<INTEREST-INCOME-NET>                            2,168
<LOAN-LOSSES>                                      245
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                  4,093
<INCOME-PRETAX>                                   (303)
<INCOME-PRE-EXTRAORDINARY>                         (89)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       (89)
<EPS-PRIMARY>                                    (0.32)
<EPS-DILUTED>                                    (0.32)
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                      1,537
<LOANS-PAST>                                       518
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,784
<CHARGE-OFFS>                                      414
<RECOVERIES>                                        67
<ALLOWANCE-CLOSE>                                3,683
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0