<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