<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>                                                                      
<RESTATED>
<MULTIPLIER>     1,000,000          
<PERIOD-TYPE>                  9-MOS                                           
<FISCAL-YEAR-END>                            DEC-31-1996                       
<PERIOD-END>                                 SEP-30-1997                       
<CASH>                                             1,510
<INT-BEARING-DEPOSITS>                             8,826
<FED-FUNDS-SOLD>                                   6,023
<TRADING-ASSETS>                                     106
<INVESTMENTS-HELD-FOR-SALE>                        9,581
<INVESTMENTS-CARRYING>                               881
<INVESTMENTS-MARKET>                                 882
<LOANS>                                            5,356
<ALLOWANCE>                                           79
<TOTAL-ASSETS>                                    35,507
<DEPOSITS>                                        22,111
<SHORT-TERM>                                       8,699
<LIABILITIES-OTHER>                                2,006
<LONG-TERM>                                          775
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             168
<OTHER-SE>                                         1,748
<TOTAL-LIABILITIES-AND-EQUITY>                    35,507
<INTEREST-LOAN>                                      248
<INTEREST-INVEST>                                    446
<INTEREST-OTHER>                                     581
<INTEREST-TOTAL>                                   1,275
<INTEREST-DEPOSIT>                                   363
<INTEREST-EXPENSE>                                   807
<INTEREST-INCOME-NET>                                468
<LOAN-LOSSES>                                         11
<SECURITIES-GAINS>                                     1
<EXPENSE-OTHER>                                    1,260
<INCOME-PRETAX>                                      417
<INCOME-PRE-EXTRAORDINARY>                           417
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         280
<EPS-PRIMARY>                                       1.74
<EPS-DILUTED>                                       1.71
<YIELD-ACTUAL>                                      5.74
<LOANS-NON>                                            3
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                      73
<CHARGE-OFFS>                                          7
<RECOVERIES>                                           2
<ALLOWANCE-CLOSE>                                     79
<ALLOWANCE-DOMESTIC>                                   0
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0