<ARTICLE> 9 <MULTIPLIER> 1,000,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 2,691 <INT-BEARING-DEPOSITS> 50 <FED-FUNDS-SOLD> 791 <TRADING-ASSETS> 729 <INVESTMENTS-HELD-FOR-SALE> 6,664 <INVESTMENTS-CARRYING> 1,253 <INVESTMENTS-MARKET> 1,262 <LOANS> 66,299 <ALLOWANCE> 1,001 <TOTAL-ASSETS> 85,500 <DEPOSITS> 47,809 <SHORT-TERM> 11,731 <LIABILITIES-OTHER> 4,397 <LONG-TERM> 13,800 <PREFERRED-MANDATORY> 1,243 <PREFERRED> 0 <COMMON> 492 <OTHER-SE> 6,028 <TOTAL-LIABILITIES-AND-EQUITY> 85,500 <INTEREST-LOAN> 1,460 <INTEREST-INVEST> 136 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,596 <INTEREST-DEPOSIT> 462 <INTEREST-EXPENSE> 450 <INTEREST-INCOME-NET> 684 <LOAN-LOSSES> 131 <SECURITIES-GAINS> (50) <EXPENSE-OTHER> 787 <INCOME-PRETAX> 171 <INCOME-PRE-EXTRAORDINARY> 171 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 121 <EPS-BASIC> 0.28 <EPS-DILUTED> 0.28 <YIELD-ACTUAL> 3.68 <LOANS-NON> 592 <LOANS-PAST> 252 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 979 <CHARGE-OFFS> 129 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 1,001 <ALLOWANCE-DOMESTIC> 1,001 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0