<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 1997 SECOND
QUARTER 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           3,676
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,396
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         53,497
<ALLOWANCE>                                    (1,075)
<TOTAL-ASSETS>                                  71,973
<DEPOSITS>                                      45,216
<SHORT-TERM>                                     3,273
<LIABILITIES-OTHER>                              1,657
<LONG-TERM>                                     15,793
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,737
<OTHER-SE>                                       3,640
<TOTAL-LIABILITIES-AND-EQUITY>                  71,973
<INTEREST-LOAN>                                  2,135
<INTEREST-INVEST>                                  295
<INTEREST-OTHER>                                    69
<INTEREST-TOTAL>                                 2,499
<INTEREST-DEPOSIT>                                 714
<INTEREST-EXPENSE>                               1,256
<INTEREST-INCOME-NET>                            1,243
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  1,275
<INCOME-PRETAX>                                    802
<INCOME-PRE-EXTRAORDINARY>                         802
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       525
<EPS-PRIMARY>                                     1.62
<EPS-DILUTED>                                     1.61
<YIELD-ACTUAL>                                    3.92
<LOANS-NON>                                        345
<LOANS-PAST>                                       230
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,166
<CHARGE-OFFS>                                    (185)
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                                1,075
<ALLOWANCE-DOMESTIC>                             1,075
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0