<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