<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       3,001,027
<INT-BEARING-DEPOSITS>                          36,581
<FED-FUNDS-SOLD>                               126,055
<TRADING-ASSETS>                             1,056,922
<INVESTMENTS-HELD-FOR-SALE>                  7,144,175
<INVESTMENTS-CARRYING>                       1,325,556
<INVESTMENTS-MARKET>                         1,377,812
<LOANS>                                     32,570,256
<ALLOWANCE>                                    409,312
<TOTAL-ASSETS>                              47,491,149
<DEPOSITS>                                  28,831,726
<SHORT-TERM>                                 8,260,257
<LIABILITIES-OTHER>                          1,212,111
<LONG-TERM>                                  5,510,975
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       807,794
<OTHER-SE>                                   2,868,286
<TOTAL-LIABILITIES-AND-EQUITY>              47,491,149
<INTEREST-LOAN>                                665,577
<INTEREST-INVEST>                              141,649
<INTEREST-OTHER>                                15,698
<INTEREST-TOTAL>                               822,924
<INTEREST-DEPOSIT>                             232,120
<INTEREST-EXPENSE>                             417,955
<INTEREST-INCOME-NET>                          404,969
<LOAN-LOSSES>                                   47,998
<SECURITIES-GAINS>                                 335
<EXPENSE-OTHER>                                324,136
<INCOME-PRETAX>                                234,835
<INCOME-PRE-EXTRAORDINARY>                     163,082
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   163,082
<EPS-PRIMARY>                                      .99
<EPS-DILUTED>                                      .99
<YIELD-ACTUAL>                                    4.14
<LOANS-NON>                                     57,934
<LOANS-PAST>                                    54,717
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               409,297
<CHARGE-OFFS>                                   58,502
<RECOVERIES>                                    10,519
<ALLOWANCE-CLOSE>                              409,312
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Available at year end only.
</FN>