<ARTICLE>              9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME  STATEMENT AND FROM THE MANAGEMENT  DISCUSSION AND ANALYSIS AND
IS  QUALIFIED  IN ITS ENTIRETY BY  REFERENCE  TO SUCH  FINANCIAL  STATEMENTS AND
MANAGEMENT  DISCUSSION.  THIS  FINANCIAL  DATA  SCHEDULE HAS BEEN  RESTATED AS A
RESULT OF POOLING OF INTERESTS (IFTC).
</LEGEND>
<MULTIPLIER>                                   1,000
       
                                            
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1994
<PERIOD-END>                                   DEC-31-1994
<CASH>                                           1,097,563
<INT-BEARING-DEPOSITS>                           4,847,069
<FED-FUNDS-SOLD>                                 2,655,374
<TRADING-ASSETS>                                   527,550
<INVESTMENTS-HELD-FOR-SALE>                      3,482,309
<INVESTMENTS-CARRYING>                           5,187,270
<INVESTMENTS-MARKET>                             5,058,341
<LOANS>                                          3,233,221
<ALLOWANCE>                                         58,184
<TOTAL-ASSETS>                                  22,546,943
<DEPOSITS>                                      14,598,058
<SHORT-TERM>                                     5,560,456
<LIABILITIES-OTHER>                                923,744
<LONG-TERM>                                        127,549
<COMMON>                                            82,447
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<OTHER-SE>                                       1,254,689
<TOTAL-LIABILITIES-AND-EQUITY>                  22,546,943
<INTEREST-LOAN>                                    183,333
<INTEREST-INVEST>                                  363,650
<INTEREST-OTHER>                                   389,261
<INTEREST-TOTAL>                                   936,244
<INTEREST-DEPOSIT>                                 280,687
<INTEREST-EXPENSE>                                 544,092
<INTEREST-INCOME-NET>                              392,152
<LOAN-LOSSES>                                       11,569
<SECURITIES-GAINS>                                   1,345
<EXPENSE-OTHER>                                    285,459
<INCOME-PRETAX>                                    340,134
<INCOME-PRE-EXTRAORDINARY>                         340,134
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       220,343
<EPS-PRIMARY>                                         2.66
<EPS-DILUTED>                                         2.64
<YIELD-ACTUAL>                                        4.82
<LOANS-NON>                                         23,043
<LOANS-PAST>                                            41
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    54,316
<CHARGE-OFFS>                                       10,477
<RECOVERIES>                                         2,776
<ALLOWANCE-CLOSE>                                   58,184
<ALLOWANCE-DOMESTIC>                                52,424
<ALLOWANCE-FOREIGN>                                  5,760
<ALLOWANCE-UNALLOCATED>                                  0