<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial information incorporated by reference to the 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           2,188
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,856
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         52,075
<ALLOWANCE>                                      (673)
<TOTAL-ASSETS>                                  75,558
<DEPOSITS>                                      47,685
<SHORT-TERM>                                     9,660
<LIABILITIES-OTHER>                              2,806
<LONG-TERM>                                      8,804
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,764
<OTHER-SE>                                       3,984
<TOTAL-LIABILITIES-AND-EQUITY>                  75,558
<INTEREST-LOAN>                                  2,101
<INTEREST-INVEST>                                  236
<INTEREST-OTHER>                                   157
<INTEREST-TOTAL>                                 2,494
<INTEREST-DEPOSIT>                                 684
<INTEREST-EXPENSE>                               1,229
<INTEREST-INCOME-NET>                            1,265
<LOAN-LOSSES>                                      103
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,590
<INCOME-PRETAX>                                    967
<INCOME-PRE-EXTRAORDINARY>                         640
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       640
<EPS-BASIC>                                       2.10
<EPS-DILUTED>                                     2.08
<YIELD-ACTUAL>                                    3.75
<LOANS-NON>                                        300
<LOANS-PAST>                                       204
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   753
<CHARGE-OFFS>                                    (134)
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                  673
<ALLOWANCE-DOMESTIC>                               673
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0