<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