<ARTICLE>                                      9
       
                             
<RESTATED>
<MULTIPLIER>                     1000
<CURRENCY>                       U.S. DOLLARS
<PERIOD-TYPE>                    YEAR
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   DEC-31-1996
<EXCHANGE-RATE>                                1
<CASH>                                         3,674,192
<INT-BEARING-DEPOSITS>                         77,871
<FED-FUNDS-SOLD>                               275,941
<TRADING-ASSETS>                               1,189,826
<INVESTMENTS-HELD-FOR-SALE>                    9,824,752
<INVESTMENTS-CARRYING>                         1,352,091
<INVESTMENTS-MARKET>                           1,423,555
<LOANS>                                        38,007,229
<ALLOWANCE>                                    519,297
<TOTAL-ASSETS>                                 57,228,640
<DEPOSITS>                                     35,321,894
<SHORT-TERM>                                   8,951,602
<LIABILITIES-OTHER>                            1,322,104
<LONG-TERM>                                    7,024,639
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       1,006,263
<OTHER-SE>                                     3,602,138
<TOTAL-LIABILITIES-AND-EQUITY>                 57,228,640
<INTEREST-LOAN>                                3,109,698
<INTEREST-INVEST>                              801,681
<INTEREST-OTHER>                               98,129
<INTEREST-TOTAL>                               4,009,508
<INTEREST-DEPOSIT>                             1,203,739
<INTEREST-EXPENSE>                             2,085,771
<INTEREST-INCOME-NET>                          1,923,737
<LOAN-LOSSES>                                  193,776
<SECURITIES-GAINS>                             4,588
<EXPENSE-OTHER>                                1,508,973
<INCOME-PRETAX>                                1,100,308
<INCOME-PRE-EXTRAORDINARY>                     757,259
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   757,259
<EPS-PRIMARY>                                  3.70
<EPS-DILUTED>                                  3.65
<YIELD-ACTUAL>                                 3.98
<LOANS-NON>                                    98,638
<LOANS-PAST>                                   84,788
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               518,808
<CHARGE-OFFS>                                  250,727
<RECOVERIES>                                   57,240
<ALLOWANCE-CLOSE>                              519,297
<ALLOWANCE-DOMESTIC>                           463,620
<ALLOWANCE-FOREIGN>                            3,702
<ALLOWANCE-UNALLOCATED>                        51,975