<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                       3,356,356
<INT-BEARING-DEPOSITS>                         107,672
<FED-FUNDS-SOLD>                               774,121
<TRADING-ASSETS>                               886,783
<INVESTMENTS-HELD-FOR-SALE>                  7,180,779
<INVESTMENTS-CARRYING>                       1,053,283
<INVESTMENTS-MARKET>                         1,069,393
<LOANS>                                     54,225,184
<ALLOWANCE>                                    799,461
<TOTAL-ASSETS>                              72,020,228
<DEPOSITS>                                  44,262,445
<SHORT-TERM>                                 9,878,273
<LIABILITIES-OTHER>                          2,454,497
<LONG-TERM>                                  9,334,849
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,017,319
<OTHER-SE>                                   5,072,845
<TOTAL-LIABILITIES-AND-EQUITY>              72,020,228
<INTEREST-LOAN>                              3,482,285
<INTEREST-INVEST>                              400,464
<INTEREST-OTHER>                                58,212
<INTEREST-TOTAL>                             3,940,961
<INTEREST-DEPOSIT>                           1,210,069
<INTEREST-EXPENSE>                           2,051,346
<INTEREST-INCOME-NET>                        1,889,615
<LOAN-LOSSES>                                  470,987
<SECURITIES-GAINS>                                  63
<EXPENSE-OTHER>                              1,977,966
<INCOME-PRETAX>                                901,813
<INCOME-PRE-EXTRAORDINARY>                     901,813
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   587,602
<EPS-BASIC>                                       2.90
<EPS-DILUTED>                                     2.87
<YIELD-ACTUAL>                                    4.17
<LOANS-NON>                                    444,880
<LOANS-PAST>                                   123,079
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               554,810
<CHARGE-OFFS>                                  318,065
<RECOVERIES>                                    47,936
<ALLOWANCE-CLOSE>                              799,461
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Available at Year-end only
</FN>