<ARTICLE> 9
<LEGEND> This schedule contains summary financial information extracted from 
the Consolidated Balance Sheet and the Consolidated Statement of Income and is 
qualified in its entirety by reference to such financial statements. 
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                       1,308,931
<INT-BEARING-DEPOSITS>                       1,567,632
<FED-FUNDS-SOLD>                               162,063
<TRADING-ASSETS>                                88,891
<INVESTMENTS-HELD-FOR-SALE>                  5,136,281
<INVESTMENTS-CARRYING>                         535,083
<INVESTMENTS-MARKET>                           562,611
<LOANS>                                      9,905,988
<ALLOWANCE>                                    147,131
<TOTAL-ASSETS>                              19,933,518
<DEPOSITS>                                  12,488,205
<SHORT-TERM>                                 5,181,395
<LIABILITIES-OTHER>                            459,715
<LONG-TERM>                                    351,577
<COMMON>                                        93,597
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    170,000
<OTHER-SE>                                   1,189,029
<TOTAL-LIABILITIES-AND-EQUITY>              19,933,518
<INTEREST-LOAN>                                630,854
<INTEREST-INVEST>                              364,055
<INTEREST-OTHER>                               109,119
<INTEREST-TOTAL>                             1,104,028
<INTEREST-DEPOSIT>                             443,348
<INTEREST-EXPENSE>                             746,437
<INTEREST-INCOME-NET>                          357,591
<LOAN-LOSSES>                                    6,000
<SECURITIES-GAINS>                               1,039
<EXPENSE-OTHER>                                709,208
<INCOME-PRETAX>                                320,502
<INCOME-PRE-EXTRAORDINARY>                     320,502
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   219,995
<EPS-PRIMARY>                                     1.91<F1>
<EPS-DILUTED>                                     1.86<F1>
<YIELD-ACTUAL>                                    2.30
<LOANS-NON>                                     29,188
<LOANS-PAST>                                    21,978
<LOANS-TROUBLED>                                 2,749
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               144,838
<CHARGE-OFFS>                                   11,757
<RECOVERIES>                                     5,832
<ALLOWANCE-CLOSE>                              147,131
<ALLOWANCE-DOMESTIC>                           106,183
<ALLOWANCE-FOREIGN>                              2,746
<ALLOWANCE-UNALLOCATED>                         38,202
<FN>
<F1> Also reflects two-for-one stock split in December 1996
</FN>