<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