<ARTICLE> 9
<LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
THE 1994 ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY 
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                           3,431
<INT-BEARING-DEPOSITS>                              41
<FED-FUNDS-SOLD>                                   552
<TRADING-ASSETS>                                   172
<INVESTMENTS-HELD-FOR-SALE>                     13,602
<INVESTMENTS-CARRYING>                           1,235
<INVESTMENTS-MARKET>                             1,269
<LOANS>                                         32,576
<ALLOWANCE>                                        790
<TOTAL-ASSETS>                                  59,316
<DEPOSITS>                                      36,424
<SHORT-TERM>                                     7,850
<LIABILITIES-OTHER>                              2,009
<LONG-TERM>                                      9,186
<COMMON>                                           539
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        512
<OTHER-SE>                                       2,795
<TOTAL-LIABILITIES-AND-EQUITY>                  59,316
<INTEREST-LOAN>                                  3,071
<INTEREST-INVEST>                                  907
<INTEREST-OTHER>                                   416
<INTEREST-TOTAL>                                 4,394
<INTEREST-DEPOSIT>                                 863
<INTEREST-EXPENSE>                               1,590
<INTEREST-INCOME-NET>                            2,804
<LOAN-LOSSES>                                      165
<SECURITIES-GAINS>                                (79)
<EXPENSE-OTHER>                                  3,096
<INCOME-PRETAX>                                  1,181
<INCOME-PRE-EXTRAORDINARY>                         800
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       800
<EPS-PRIMARY>                                     2.45
<EPS-DILUTED>                                     2.41
<YIELD-ACTUAL>                                    5.66
<LOANS-NON>                                        129
<LOANS-PAST>                                        58
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   789
<CHARGE-OFFS>                                      315
<RECOVERIES>                                       122
<ALLOWANCE-CLOSE>                                  790
<ALLOWANCE-DOMESTIC>                               524
<ALLOWANCE-FOREIGN>                                 20
<ALLOWANCE-UNALLOCATED>                            246