<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 1999 THIRD
QUARTER FINANCIAL REVIEW AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           2,194
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,096
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         51,398
<ALLOWANCE>                                      (674)
<TOTAL-ASSETS>                                  73,003
<DEPOSITS>                                      45,146
<SHORT-TERM>                                     7,375
<LIABILITIES-OTHER>                              2,240
<LONG-TERM>                                     11,523
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          7
<COMMON>                                         1,764
<OTHER-SE>                                       4,100
<TOTAL-LIABILITIES-AND-EQUITY>                  73,003
<INTEREST-LOAN>                                  3,086
<INTEREST-INVEST>                                  363
<INTEREST-OTHER>                                   257
<INTEREST-TOTAL>                                 3,706
<INTEREST-DEPOSIT>                               1,024
<INTEREST-EXPENSE>                               1,847
<INTEREST-INCOME-NET>                            1,859
<LOAN-LOSSES>                                      133
<SECURITIES-GAINS>                                  44
<EXPENSE-OTHER>                                  2,314
<INCOME-PRETAX>                                  1,458
<INCOME-PRE-EXTRAORDINARY>                         960
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       960
<EPS-BASIC>                                       3.17
<EPS-DILUTED>                                     3.14
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                        314
<LOANS-PAST>                                       164
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   753
<CHARGE-OFFS>                                    (173)
<RECOVERIES>                                        42
<ALLOWANCE-CLOSE>                                  674
<ALLOWANCE-DOMESTIC>                               674
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0