<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY>   U.S.
       
                             
<PERIOD-TYPE>                   6-MOS
<EXCHANGE-RATE>                            1
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       3,392,418
<INT-BEARING-DEPOSITS>                          33,620
<FED-FUNDS-SOLD>                               224,150
<TRADING-ASSETS>                               842,197
<INVESTMENTS-HELD-FOR-SALE>                  6,983,389
<INVESTMENTS-CARRYING>                       1,271,149
<INVESTMENTS-MARKET>                         1,333,211
<LOANS>                                     33,255,625
<ALLOWANCE>                                    409,335
<TOTAL-ASSETS>                              48,512,096
<DEPOSITS>                                  28,938,060
<SHORT-TERM>                                 8,739,524
<LIABILITIES-OTHER>                          1,383,195
<LONG-TERM>                                  5,771,490
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       797,698
<OTHER-SE>                                   2,882,129
<TOTAL-LIABILITIES-AND-EQUITY>              48,512,096
<INTEREST-LOAN>                              1,361,985
<INTEREST-INVEST>                              280,250
<INTEREST-OTHER>                                32,790
<INTEREST-TOTAL>                             1,675,025
<INTEREST-DEPOSIT>                             478,367
<INTEREST-EXPENSE>                             856,314
<INTEREST-INCOME-NET>                          818,711
<LOAN-LOSSES>                                   97,713
<SECURITIES-GAINS>                                 661
<EXPENSE-OTHER>                                678,830
<INCOME-PRETAX>                                477,399
<INCOME-PRE-EXTRAORDINARY>                     328,705
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   328,705
<EPS-PRIMARY>                                     2.00
<EPS-DILUTED>                                     2.00
<YIELD-ACTUAL>                                    4.11
<LOANS-NON>                                     54,837
<LOANS-PAST>                                    60,649
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               409,312
<CHARGE-OFFS>                                   59,488
<RECOVERIES>                                     9,796
<ALLOWANCE-CLOSE>                              409,335
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Available at year end only.
</FN>