<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference in the 2000 Third
Quarter Financial Review and is qualified in its entirety by reference to such
financial information.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           3,106
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,490
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         49,791
<ALLOWANCE>                                      (675)
<TOTAL-ASSETS>                                  69,884
<DEPOSITS>                                      47,494
<SHORT-TERM>                                     8,695
<LIABILITIES-OTHER>                              2,860
<LONG-TERM>                                      3,604
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,764
<OTHER-SE>                                       4,612
<TOTAL-LIABILITIES-AND-EQUITY>                  69,884
<INTEREST-LOAN>                                  3,018
<INTEREST-INVEST>                                  290
<INTEREST-OTHER>                                   234
<INTEREST-TOTAL>                                 3,542
<INTEREST-DEPOSIT>                               1,200
<INTEREST-EXPENSE>                               1,911
<INTEREST-INCOME-NET>                            1,631
<LOAN-LOSSES>                                       96
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  2,319
<INCOME-PRETAX>                                  1,372
<INCOME-PRE-EXTRAORDINARY>                         945
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       945
<EPS-BASIC>                                       3.21
<EPS-DILUTED>                                     3.18
<YIELD-ACTUAL>                                    3.63
<LOANS-NON>                                        308
<LOANS-PAST>                                        98
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   674
<CHARGE-OFFS>                                    (131)
<RECOVERIES>                                        36
<ALLOWANCE-CLOSE>                                  675
<ALLOWANCE-DOMESTIC>                               675
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0