<ARTICLE> 9 <MULTIPLIER> 1,000,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JUL-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 2,940 <INT-BEARING-DEPOSITS> 24 <FED-FUNDS-SOLD> 626 <TRADING-ASSETS> 567 <INVESTMENTS-HELD-FOR-SALE> 7,563 <INVESTMENTS-CARRYING> 1,344 <INVESTMENTS-MARKET> 1,378 <LOANS> 53,676 <ALLOWANCE> 900 <TOTAL-ASSETS> 72,077 <DEPOSITS> 43,870 <SHORT-TERM> 12,715 <LIABILITIES-OTHER> 2,099 <LONG-TERM> 7,567 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 246 <OTHER-SE> 4,830 <TOTAL-LIABILITIES-AND-EQUITY> 72,077 <INTEREST-LOAN> 3,417 <INTEREST-INVEST> 457 <INTEREST-OTHER> 23 <INTEREST-TOTAL> 3,897 <INTEREST-DEPOSIT> 1,101 <INTEREST-EXPENSE> 1,808 <INTEREST-INCOME-NET> 2,089 <LOAN-LOSSES> 244 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,805 <INCOME-PRETAX> 980 <INCOME-PRE-EXTRAORDINARY> 980 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 671 <EPS-PRIMARY> 3.00 <EPS-DILUTED> 2.99 <YIELD-ACTUAL> 4.67 <LOANS-NON> 364 <LOANS-PAST> 138 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 870 <CHARGE-OFFS> 282 <RECOVERIES> 65 <ALLOWANCE-CLOSE> 900 <ALLOWANCE-DOMESTIC> 900 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0