<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference to the 1996 Third
quarter Corporate 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           3,611
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,243
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         49,443
<ALLOWANCE>                                    (1,152)
<TOTAL-ASSETS>                                  69,662
<DEPOSITS>                                      45,430
<SHORT-TERM>                                     5,337
<LIABILITIES-OTHER>                              1,784
<LONG-TERM>                                     11,313
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          1
<COMMON>                                         1,717
<OTHER-SE>                                       4,080
<TOTAL-LIABILITIES-AND-EQUITY>                  69,662
<INTEREST-LOAN>                                  2,932
<INTEREST-INVEST>                                  677
<INTEREST-OTHER>                                   106
<INTEREST-TOTAL>                                 3,715
<INTEREST-DEPOSIT>                               1,074
<INTEREST-EXPENSE>                               1,888
<INTEREST-INCOME-NET>                            1,827
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  1,725
<INCOME-PRETAX>                                  1,108
<INCOME-PRE-EXTRAORDINARY>                       1,108
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       720
<EPS-PRIMARY>                                     2.10
<EPS-DILUTED>                                     2.08
<YIELD-ACTUAL>                                    3.77
<LOANS-NON>                                        374
<LOANS-PAST>                                       231
<LOANS-TROUBLED>                                     3
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,259
<CHARGE-OFFS>                                    (168)
<RECOVERIES>                                        61
<ALLOWANCE-CLOSE>                                1,152
<ALLOWANCE-DOMESTIC>                             1,152
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0