<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE IN THE 2000 FIRST
QUARTER FINANCIAL REVIEW AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           2,190
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,666
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         50,653
<ALLOWANCE>                                      (674)
<TOTAL-ASSETS>                                  74,307
<DEPOSITS>                                      46,701
<SHORT-TERM>                                     8,898
<LIABILITIES-OTHER>                              2,625
<LONG-TERM>                                      9,196
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,764
<OTHER-SE>                                       4,268
<TOTAL-LIABILITIES-AND-EQUITY>                  74,307
<INTEREST-LOAN>                                    991
<INTEREST-INVEST>                                  117
<INTEREST-OTHER>                                   129
<INTEREST-TOTAL>                                 1,237
<INTEREST-DEPOSIT>                                 369
<INTEREST-EXPENSE>                                 677
<INTEREST-INCOME-NET>                              560
<LOAN-LOSSES>                                       31
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                    847
<INCOME-PRETAX>                                    471
<INCOME-PRE-EXTRAORDINARY>                         308
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       308
<EPS-BASIC>                                       1.04
<EPS-DILUTED>                                     1.03
<YIELD-ACTUAL>                                    3.46
<LOANS-NON>                                        307
<LOANS-PAST>                                       110
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   674
<CHARGE-OFFS>                                     (45)
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                  674
<ALLOWANCE-DOMESTIC>                               674
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0