<ARTICLE>                                            9
<MULTIPLIER>                                            1000
<CURRENCY>                                        US Dollars

                                                  
<PERIOD-TYPE>                                       12-MOS
<FISCAL-YEAR-END>                                 DEC-31-1999
<PERIOD-START>                                    JAN-01-1999
<PERIOD-END>                                      DEC-31-1999
<EXCHANGE-RATE>                                             1
<CASH>                                              3,475,004
<INT-BEARING-DEPOSITS>                                184,904
<FED-FUNDS-SOLD>                                      761,962
<TRADING-ASSETS>                                      870,304
<INVESTMENTS-HELD-FOR-SALE>                         7,095,790
<INVESTMENTS-CARRYING>                              1,048,724
<INVESTMENTS-MARKET>                                1,061,150
<LOANS>                                            49,621,225
<ALLOWANCE>                                           554,810
<TOTAL-ASSETS>                                     67,352,537
<DEPOSITS>                                         41,786,418
<SHORT-TERM>                                       10,102,974
<LIABILITIES-OTHER>                                 1,990,425
<LONG-TERM>                                         7,814,263
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                            1,009,061
<OTHER-SE>                                          4,649,396
<TOTAL-LIABILITIES-AND-EQUITY>                     67,352,537
<INTEREST-LOAN>                                     4,000,541
<INTEREST-INVEST>                                     596,062
<INTEREST-OTHER>                                       70,217
<INTEREST-TOTAL>                                    4,666,820
<INTEREST-DEPOSIT>                                  1,265,195
<INTEREST-EXPENSE>                                  2,196,734
<INTEREST-INCOME-NET>                               2,470,086
<LOAN-LOSSES>                                         298,105
<SECURITIES-GAINS>                                     10,894
<EXPENSE-OTHER>                                     2,250,625
<INCOME-PRETAX>                                     1,542,373
<INCOME-PRE-EXTRAORDINARY>                                  0
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                        1,011,221
<EPS-BASIC>                                              4.99
<EPS-DILUTED>                                            4.90
<YIELD-ACTUAL>                                           4.32
<LOANS-NON>                                           204,098
<LOANS-PAST>                                           97,642
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                      547,992
<CHARGE-OFFS>                                         351,262
<RECOVERIES>                                           59,936
<ALLOWANCE-CLOSE>                                     554,810
<ALLOWANCE-DOMESTIC>                                  488,027
<ALLOWANCE-FOREIGN>                                     6,881
<ALLOWANCE-UNALLOCATED>                                59,902