<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference to the 1996 Second
Quarter Corporate 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           3,232
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,107
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         49,223
<ALLOWANCE>                                    (1,189)
<TOTAL-ASSETS>                                  71,961
<DEPOSITS>                                      44,852
<SHORT-TERM>                                     7,082
<LIABILITIES-OTHER>                              1,952
<LONG-TERM>                                     12,243
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          1
<COMMON>                                         1,711
<OTHER-SE>                                       4,120
<TOTAL-LIABILITIES-AND-EQUITY>                  71,961
<INTEREST-LOAN>                                  1,953
<INTEREST-INVEST>                                  470
<INTEREST-OTHER>                                    76
<INTEREST-TOTAL>                                 2,498
<INTEREST-DEPOSIT>                                 723
<INTEREST-EXPENSE>                               1,281
<INTEREST-INCOME-NET>                            1,218
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  1,130
<INCOME-PRETAX>                                    746
<INCOME-PRE-EXTRAORDINARY>                         746
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       486
<EPS-PRIMARY>                                     1.42
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                        378
<LOANS-PAST>                                       191
<LOANS-TROUBLED>                                     3
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,259
<CHARGE-OFFS>                                    (113)
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                1,189
<ALLOWANCE-DOMESTIC>                             1,189
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0