<ARTICLE> 9
       
                             
<MULTIPLIER>                                1000
<CURRENCY>                                 US Dollars
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                            1
<CASH>                                       3,209,780
<INT-BEARING-DEPOSITS>                          39,612
<FED-FUNDS-SOLD>                               300,726
<TRADING-ASSETS>                             1,050,840
<INVESTMENTS-HELD-FOR-SALE>                  5,808,714
<INVESTMENTS-CARRYING>                       1,217,798
<INVESTMENTS-MARKET>                         1,285,503
<LOANS>                                     33,753,558
<ALLOWANCE>                                    409,356
<TOTAL-ASSETS>                              47,669,962
<DEPOSITS>                                  29,091,078
<SHORT-TERM>                                 8,206,268
<LIABILITIES-OTHER>                          1,325,821
<LONG-TERM>                                  5,369,828
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       788,863
<OTHER-SE>                                   2,888,104
<TOTAL-LIABILITIES-AND-EQUITY>              47,669,962
<INTEREST-LOAN>                              2,081,427
<INTEREST-INVEST>                              413,096
<INTEREST-OTHER>                                50,393
<INTEREST-TOTAL>                             2,544,916
<INTEREST-DEPOSIT>                             728,527
<INTEREST-EXPENSE>                           1,302,969
<INTEREST-INCOME-NET>                        1,241,947
<LOAN-LOSSES>                                  148,057
<SECURITIES-GAINS>                               1,082
<EXPENSE-OTHER>                              1,034,963
<INCOME-PRETAX>                                723,042
<INCOME-PRE-EXTRAORDINARY>                     495,961
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   495,961
<EPS-PRIMARY>                                     3.04
<EPS-DILUTED>                                     3.03
<YIELD-ACTUAL>                                    4.12
<LOANS-NON>                                     55,563
<LOANS-PAST>                                    56,436
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               409,297
<CHARGE-OFFS>                                  177,904
<RECOVERIES>                                    29,906
<ALLOWANCE-CLOSE>                              409,356
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Available at year end only.
</FN>