<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           2,094
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,540
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         56,237
<ALLOWANCE>                                      (859)
<TOTAL-ASSETS>                                  75,873
<DEPOSITS>                                      47,096
<SHORT-TERM>                                    13,949
<LIABILITIES-OTHER>                              1,808
<LONG-TERM>                                      6,539
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,763
<OTHER-SE>                                       3,863
<TOTAL-LIABILITIES-AND-EQUITY>                  75,873
<INTEREST-LOAN>                                  2,258
<INTEREST-INVEST>                                  221
<INTEREST-OTHER>                                   126
<INTEREST-TOTAL>                                 2,605
<INTEREST-DEPOSIT>                                 724
<INTEREST-EXPENSE>                               1,337
<INTEREST-INCOME-NET>                            1,268
<LOAN-LOSSES>                                       65
<SECURITIES-GAINS>                                  26
<EXPENSE-OTHER>                                  1,522
<INCOME-PRETAX>                                    831
<INCOME-PRE-EXTRAORDINARY>                         550
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       550
<EPS-PRIMARY>                                     1.80
<EPS-DILUTED>                                     1.77
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                        323
<LOANS-PAST>                                       244
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   972
<CHARGE-OFFS>                                      214
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                  859
<ALLOWANCE-DOMESTIC>                               859
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0