<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference to the 1997 Third
Quarter 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           3,460
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         53,651
<ALLOWANCE>                                    (1,027)
<TOTAL-ASSETS>                                  71,828
<DEPOSITS>                                      44,788
<SHORT-TERM>                                     2,628
<LIABILITIES-OTHER>                              1,862
<LONG-TERM>                                     16,424
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,740
<OTHER-SE>                                       3,729
<TOTAL-LIABILITIES-AND-EQUITY>                  71,828
<INTEREST-LOAN>                                  3,236
<INTEREST-INVEST>                                  421
<INTEREST-OTHER>                                   113
<INTEREST-TOTAL>                                 3,770
<INTEREST-DEPOSIT>                               1,087
<INTEREST-EXPENSE>                               1,907
<INTEREST-INCOME-NET>                            1,863
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                  27
<EXPENSE-OTHER>                                  1,914
<INCOME-PRETAX>                                  1,209
<INCOME-PRE-EXTRAORDINARY>                       1,209
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       787
<EPS-PRIMARY>                                     2.46
<EPS-DILUTED>                                     2.43
<YIELD-ACTUAL>                                    3.91
<LOANS-NON>                                        315
<LOANS-PAST>                                       289
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,166
<CHARGE-OFFS>                                    (280)
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                1,027
<ALLOWANCE-DOMESTIC>                             1,027
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0