<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the consolidated financial information incorporated by reference to the 1998 Annual Report on Form 10-K and is qualified in its entirety by reference to such financial information. </LEGEND> <MULTIPLIER> 1,000,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 2,534 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,074 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 57,650 <ALLOWANCE> (753) <TOTAL-ASSETS> 77,207 <DEPOSITS> 47,496 <SHORT-TERM> 11,496 <LIABILITIES-OTHER> 1,874 <LONG-TERM> 9,450 <PREFERRED-MANDATORY> 0 <PREFERRED> 7 <COMMON> 1,764 <OTHER-SE> 4,272 <TOTAL-LIABILITIES-AND-EQUITY> 77,207 <INTEREST-LOAN> 4,590 <INTEREST-INVEST> 425 <INTEREST-OTHER> 298 <INTEREST-TOTAL> 5,313 <INTEREST-DEPOSIT> 1,471 <INTEREST-EXPENSE> 2,740 <INTEREST-INCOME-NET> 2,573 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 120 <EXPENSE-OTHER> 3,261 <INCOME-PRETAX> 1,710 <INCOME-PRE-EXTRAORDINARY> 1,115 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,115 <EPS-PRIMARY> 3.64 <EPS-DILUTED> 3.60 <YIELD-ACTUAL> 3.85 <LOANS-NON> 295 <LOANS-PAST> 268 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 77 <ALLOWANCE-OPEN> 972 <CHARGE-OFFS> (524) <RECOVERIES> 77 <ALLOWANCE-CLOSE> 753 <ALLOWANCE-DOMESTIC> 753 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0