<ARTICLE> 9
<LEGEND>
This schedule contains selected summary financial information extracted from
the Consolidated Balance Sheet at June 30, 1996 and Consolidated Statement of
Income for the six months ended June 30, 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>                       6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          13,291
<INT-BEARING-DEPOSITS>                           5,805
<FED-FUNDS-SOLD>                                33,039
<TRADING-ASSETS>                                51,711
<INVESTMENTS-HELD-FOR-SALE>                     37,855
<INVESTMENTS-CARRYING>                           4,125
<INVESTMENTS-MARKET>                             4,080
<LOANS>                                        151,274
<ALLOWANCE>                                      3,692
<TOTAL-ASSETS>                                 321,761
<DEPOSITS>                                     168,343
<SHORT-TERM>                                    68,465
<LIABILITIES-OTHER>                             49,398
<LONG-TERM>                                     12,770
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,650
<COMMON>                                           438
<OTHER-SE>                                      17,252
<TOTAL-LIABILITIES-AND-EQUITY>                 321,761
<INTEREST-LOAN>                                  6,325
<INTEREST-INVEST>                                1,405
<INTEREST-OTHER>                                 1,343
<INTEREST-TOTAL>                                 9,874
<INTEREST-DEPOSIT>                               3,102
<INTEREST-EXPENSE>                               5,663
<INTEREST-INCOME-NET>                            4,211
<LOAN-LOSSES>                                      495
<SECURITIES-GAINS>                                  76
<EXPENSE-OTHER>                                  6,417
<INCOME-PRETAX>                                  1,077
<INCOME-PRE-EXTRAORDINARY>                         767
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       767
<EPS-PRIMARY>                                     1.52
<EPS-DILUTED>                                     1.46
<YIELD-ACTUAL>                                    3.32
<LOANS-NON>                                      1,498
<LOANS-PAST>                                       486
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,784
<CHARGE-OFFS>                                      732
<RECOVERIES>                                       135
<ALLOWANCE-CLOSE>                                3,692
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0