<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference to the 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           2,581
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,511
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         54,511
<ALLOWANCE>                                      (912)
<TOTAL-ASSETS>                                  72,355
<DEPOSITS>                                      46,068
<SHORT-TERM>                                    11,982
<LIABILITIES-OTHER>                              1,775
<LONG-TERM>                                      6,393
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,752
<OTHER-SE>                                       3,728
<TOTAL-LIABILITIES-AND-EQUITY>                  72,355
<INTEREST-LOAN>                                  1,119
<INTEREST-INVEST>                                  115
<INTEREST-OTHER>                                    57
<INTEREST-TOTAL>                                 1,291
<INTEREST-DEPOSIT>                                 362
<INTEREST-EXPENSE>                                 654
<INTEREST-INCOME-NET>                              637
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                  23
<EXPENSE-OTHER>                                    741
<INCOME-PRETAX>                                    405
<INCOME-PRE-EXTRAORDINARY>                         269
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       269
<EPS-PRIMARY>                                      .88
<EPS-DILUTED>                                      .87
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                        284
<LOANS-PAST>                                       234
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   972
<CHARGE-OFFS>                                    (107)
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                  912
<ALLOWANCE-DOMESTIC>                               912
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0