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

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           3,138
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,302
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         50,942
<ALLOWANCE>                                      (675)
<TOTAL-ASSETS>                                  75,737
<DEPOSITS>                                      47,426
<SHORT-TERM>                                     9,137
<LIABILITIES-OTHER>                              2,721
<LONG-TERM>                                      9,448
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,764
<OTHER-SE>                                       4,386
<TOTAL-LIABILITIES-AND-EQUITY>                  75,737
<INTEREST-LOAN>                                  2,009
<INTEREST-INVEST>                                  240
<INTEREST-OTHER>                                   253
<INTEREST-TOTAL>                                 2,502
<INTEREST-DEPOSIT>                                 766
<INTEREST-EXPENSE>                               1,392
<INTEREST-INCOME-NET>                            1,110
<LOAN-LOSSES>                                       66
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                  1,674
<INCOME-PRETAX>                                    955
<INCOME-PRE-EXTRAORDINARY>                         623
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       623
<EPS-BASIC>                                       2.11
<EPS-DILUTED>                                     2.09
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                        316
<LOANS-PAST>                                        91
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   674
<CHARGE-OFFS>                                     (88)
<RECOVERIES>                                        23
<ALLOWANCE-CLOSE>                                  675
<ALLOWANCE-DOMESTIC>                               675
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0