<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.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       2,410,886
<INT-BEARING-DEPOSITS>                      10,080,000
<FED-FUNDS-SOLD>                             6,165,454
<TRADING-ASSETS>                               204,511
<INVESTMENTS-HELD-FOR-SALE>                  9,481,556
<INVESTMENTS-CARRYING>                         893,105
<INVESTMENTS-MARKET>                           893,467
<LOANS>                                      5,561,468
<ALLOWANCE>                                     82,820
<TOTAL-ASSETS>                              37,974,897
<DEPOSITS>                                  24,877,723
<SHORT-TERM>                                 8,251,486
<LIABILITIES-OTHER>                          2,076,777
<LONG-TERM>                                    774,145
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       167,576
<OTHER-SE>                                   1,827,190
<TOTAL-LIABILITIES-AND-EQUITY>              37,974,897
<INTEREST-LOAN>                                340,902
<INTEREST-INVEST>                              597,821
<INTEREST-OTHER>                               816,808
<INTEREST-TOTAL>                             1,755,531
<INTEREST-DEPOSIT>                             511,654
<INTEREST-EXPENSE>                           1,114,482
<INTEREST-INCOME-NET>                          641,049
<LOAN-LOSSES>                                   16,000
<SECURITIES-GAINS>                               2,264
<EXPENSE-OTHER>                              1,733,490
<INCOME-PRETAX>                                564,012
<INCOME-PRE-EXTRAORDINARY>                     564,012
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   380,254
<EPS-PRIMARY>                                     2.37
<EPS-DILUTED>                                     2.32
<YIELD-ACTUAL>                                    5.73
<LOANS-NON>                                      2,029
<LOANS-PAST>                                       543
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                72,614
<CHARGE-OFFS>                                    8,321
<RECOVERIES>                                   (2,527)
<ALLOWANCE-CLOSE>                               82,820
<ALLOWANCE-DOMESTIC>                            68,152
<ALLOWANCE-FOREIGN>                             14,668
<ALLOWANCE-UNALLOCATED>                              0