<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000

                                                   
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                           DEC-31-1998             DEC-31-1997
<PERIOD-END>                                DEC-31-1998             DEC-31-1997
<CASH>                                        4,110,168               3,233,054
<INT-BEARING-DEPOSITS>                          391,982                 268,873
<FED-FUNDS-SOLD>                                103,324                 449,817
<TRADING-ASSETS>                                129,294                  72,829
<INVESTMENTS-HELD-FOR-SALE>                  15,641,934              11,215,805
<INVESTMENTS-CARRYING>                          233,014               2,941,952
<INVESTMENTS-MARKET>                            236,623               3,002,310
<LOANS>                                      48,019,685              44,513,953
<ALLOWANCE>                                     704,846                 657,098
<TOTAL-ASSETS>                               74,276,016              66,192,632
<DEPOSITS>                                   54,312,162              49,295,522
<SHORT-TERM>                                  6,645,968               7,092,870
<LIABILITIES-OTHER>                           1,257,015                 854,109
<LONG-TERM>                                   5,457,203               3,437,938
<PREFERRED-MANDATORY>                             9,876                   9,441
<PREFERRED>                                           0                       0
<COMMON>                                              0                       0
<OTHER-SE>                                    6,593,792               5,502,752
<TOTAL-LIABILITIES-AND-EQUITY>               74,246,016              66,192,632
<INTEREST-LOAN>                               3,928,140               3,645,628
<INTEREST-INVEST>                             1,002,273                 801,196
<INTEREST-OTHER>                                121,775                  66,836
<INTEREST-TOTAL>                              5,052,188               4,513,660
<INTEREST-DEPOSIT>                            1,843,674               1,647,355
<INTEREST-EXPENSE>                            2,516,567               2,145,872
<INTEREST-INCOME-NET>                         2,535,621               2,367,788
<LOAN-LOSSES>                                   164,790                 204,127
<SECURITIES-GAINS>                               16,530                   3,733
<EXPENSE-OTHER>                               2,529,816               2,104,746
<INCOME-PRETAX>                               1,206,366               1,159,130
<INCOME-PRE-EXTRAORDINARY>                    1,206,366               1,159,130
<EXTRAORDINARY>                                       0                       0
<CHANGES>                                             0                       0
<NET-INCOME>                                    805,450                 760,716
<EPS-BASIC>                                        0.83                    0.83
<EPS-DILUTED>                                      0.81                    0.82
<YIELD-ACTUAL>                                     4.04                    4.37
<LOANS-NON>                                     215,159                 200,331
<LOANS-PAST>                                    146,121                 119,943
<LOANS-TROUBLED>                                  1,501                   3,237
<LOANS-PROBLEM>                                       0                       0
<ALLOWANCE-OPEN>                                657,098                 607,610
<CHARGE-OFFS>                                   235,704                 242,220
<RECOVERIES>                                     72,219                  66,419
<ALLOWANCE-CLOSE>                               704,846                 657,098
<ALLOWANCE-DOMESTIC>                            704,846                 657,098
<ALLOWANCE-FOREIGN>                                   0                       0
<ALLOWANCE-UNALLOCATED>                               0                       0