<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMAITON EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 1997 FIRST
QUARTER 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           3,096
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,593
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         52,575
<ALLOWANCE>                                    (1,119)
<TOTAL-ASSETS>                                  71,166
<DEPOSITS>                                      44,902
<SHORT-TERM>                                     3,468
<LIABILITIES-OTHER>                              1,889
<LONG-TERM>                                     15,079
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,735
<OTHER-SE>                                       3,736
<TOTAL-LIABILITIES-AND-EQUITY>                  71,166
<INTEREST-LOAN>                                  1,056
<INTEREST-INVEST>                                  156
<INTEREST-OTHER>                                    30
<INTEREST-TOTAL>                                 1,242
<INTEREST-DEPOSIT>                                 346
<INTEREST-EXPENSE>                                 612
<INTEREST-INCOME-NET>                              630
<LOAN-LOSSES>                                       10
<SECURITIES-GAINS>                                  16
<EXPENSE-OTHER>                                    636
<INCOME-PRETAX>                                    409
<INCOME-PRE-EXTRAORDINARY>                         409
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       266
<EPS-PRIMARY>                                      .81
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                    3.98
<LOANS-NON>                                        322
<LOANS-PAST>                                       251
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,166
<CHARGE-OFFS>                                     (89)
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                1,119
<ALLOWANCE-DOMESTIC>                             1,119
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0