<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference to the 1996 
First Quarter Corporated 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-31-1996
<PERIOD-START>                              JAN-1-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                           3,251
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,692
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         48,800
<ALLOWANCE>                                    (1,225)
<TOTAL-ASSETS>                                  72,668
<DEPOSITS>                                      45,621
<SHORT-TERM>                                     8,004
<LIABILITIES-OTHER>                              1,809
<LONG-TERM>                                     11,448
<COMMON>                                         1,709
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          1
<OTHER-SE>                                       4,076
<TOTAL-LIABILITIES-AND-EQUITY>                  72,668
<INTEREST-LOAN>                                    981
<INTEREST-INVEST>                                  237
<INTEREST-OTHER>                                    37
<INTEREST-TOTAL>                                 1,255
<INTEREST-DEPOSIT>                                 371
<INTEREST-EXPENSE>                                 648
<INTEREST-INCOME-NET>                              607
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                    566
<INCOME-PRETAX>                                    363
<INCOME-PRE-EXTRAORDINARY>                         363
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       238
<EPS-PRIMARY>                                      .69
<EPS-DILUTED>                                      .69
<YIELD-ACTUAL>                                    3.73
<LOANS-NON>                                        355
<LOANS-PAST>                                       209
<LOANS-TROUBLED>                                    17
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,259
<CHARGE-OFFS>                                       55
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                1,225
<ALLOWANCE-DOMESTIC>                             1,225
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0