<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE DECEMBER 31, 1995 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-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           4,320
<INT-BEARING-DEPOSITS>                              29
<FED-FUNDS-SOLD>                                   507
<TRADING-ASSETS>                                   151
<INVESTMENTS-HELD-FOR-SALE>                     15,243
<INVESTMENTS-CARRYING>                             760
<INVESTMENTS-MARKET>                               796
<LOANS>                                         36,153
<ALLOWANCE>                                        917
<TOTAL-ASSETS>                                  72,134
<DEPOSITS>                                      42,029
<SHORT-TERM>                                     8,527
<LIABILITIES-OTHER>                              2,590
<LONG-TERM>                                     13,677
<PREFERRED-MANDATORY>                              597
<PREFERRED>                                          0
<COMMON>                                           302
<OTHER-SE>                                       4,413
<TOTAL-LIABILITIES-AND-EQUITY>                  72,134
<INTEREST-LOAN>                                  3,956
<INTEREST-INVEST>                                1,149
<INTEREST-OTHER>                                   612
<INTEREST-TOTAL>                                 5,717
<INTEREST-DEPOSIT>                               1,156
<INTEREST-EXPENSE>                               2,448
<INTEREST-INCOME-NET>                            3,269
<LOAN-LOSSES>                                      312
<SECURITIES-GAINS>                                (36)
<EXPENSE-OTHER>                                  3,399
<INCOME-PRETAX>                                  1,423
<INCOME-PRE-EXTRAORDINARY>                       1,423
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       956
<EPS-PRIMARY>                                     2.76
<EPS-DILUTED>                                     2.73
<YIELD-ACTUAL>                                    5.58
<LOANS-NON>                                        167
<LOANS-PAST>                                        92
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   790
<CHARGE-OFFS>                                      421
<RECOVERIES>                                       117
<ALLOWANCE-CLOSE>                                  917
<ALLOWANCE-DOMESTIC>                               634
<ALLOWANCE-FOREIGN>                                 27
<ALLOWANCE-UNALLOCATED>                            256