<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>                  6-MOS                                           
<FISCAL-YEAR-END>                            DEC-31-1996                       
<PERIOD-END>                                 JUN-30-1997                       
<CASH>                                             1,989
<INT-BEARING-DEPOSITS>                             8,776
<FED-FUNDS-SOLD>                                   6,602
<TRADING-ASSETS>                                     126
<INVESTMENTS-HELD-FOR-SALE>                        9,717
<INVESTMENTS-CARRYING>                               877
<INVESTMENTS-MARKET>                                 877
<LOANS>                                            5,527
<ALLOWANCE>                                           74
<TOTAL-ASSETS>                                    36,686
<DEPOSITS>                                        24,858
<SHORT-TERM>                                       7,378
<LIABILITIES-OTHER>                                1,843
<LONG-TERM>                                          775
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                          167
<COMMON>                                               0
<OTHER-SE>                                         1,665
<TOTAL-LIABILITIES-AND-EQUITY>                    36,686
<INTEREST-LOAN>                                      158
<INTEREST-INVEST>                                    293
<INTEREST-OTHER>                                     372
<INTEREST-TOTAL>                                     823
<INTEREST-DEPOSIT>                                   228
<INTEREST-EXPENSE>                                   519
<INTEREST-INCOME-NET>                                304
<LOAN-LOSSES>                                          6
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                      810
<INCOME-PRETAX>                                      266
<INCOME-PRE-EXTRAORDINARY>                           266
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         178
<EPS-PRIMARY>                                       1.11
<EPS-DILUTED>                                       1.09
<YIELD-ACTUAL>                                      5.79
<LOANS-NON>                                           10
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                      73
<CHARGE-OFFS>                                          6
<RECOVERIES>                                           1
<ALLOWANCE-CLOSE>                                     74
<ALLOWANCE-DOMESTIC>                                   0
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0