<ARTICLE> 9
<MULTIPLIER>   1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         710,183
<INT-BEARING-DEPOSITS>                       5,909,195
<FED-FUNDS-SOLD>                             2,109,109
<TRADING-ASSETS>                             4,807,788
<INVESTMENTS-HELD-FOR-SALE>                 13,040,445
<INVESTMENTS-CARRYING>                       8,135,068
<INVESTMENTS-MARKET>                         8,144,518   
<LOANS>                                     11,721,936
<ALLOWANCE>                                    350,358
<TOTAL-ASSETS>                              52,298,851
<DEPOSITS>                                  31,725,579
<SHORT-TERM>                                 5,446,841
<LIABILITIES-OTHER>                            218,910
<LONG-TERM>                                  4,248,710
<COMMON>                                       275,048
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    555,800
<OTHER-SE>                                   2,475,772
<TOTAL-LIABILITIES-AND-EQUITY>              52,298,851
<INTEREST-LOAN>                                919,230
<INTEREST-INVEST>                            1,372,483
<INTEREST-OTHER>                               541,370
<INTEREST-TOTAL>                             2,833,083
<INTEREST-DEPOSIT>                           1,282,205
<INTEREST-EXPENSE>                           1,870,898
<INTEREST-INCOME-NET>                          962,185
<LOAN-LOSSES>                                   32,000
<SECURITIES-GAINS>                              23,247
<EXPENSE-OTHER>                                785,754
<INCOME-PRETAX>                                590,546
<INCOME-PRE-EXTRAORDINARY>                     418,840
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   418,840
<EPS-PRIMARY>                                     6.97
<EPS-DILUTED>                                     6.97
<YIELD-ACTUAL>                                    2.48
<LOANS-NON>                                    105,093
<LOANS-PAST>                                    20,099
<LOANS-TROUBLED>                                34,993
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               300,593
<CHARGE-OFFS>                                   43,038
<RECOVERIES>                                    18,043
<ALLOWANCE-CLOSE>                              350,358
<ALLOWANCE-DOMESTIC>                           212,594
<ALLOWANCE-FOREIGN>                            137,764
<ALLOWANCE-UNALLOCATED>                              0