<ARTICLE>                                            9
<RESTATED>
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   MAR-31-1997
<EXCHANGE-RATE>                                1
<CASH>                                         3,266,242
<INT-BEARING-DEPOSITS>                         36,581
<FED-FUNDS-SOLD>                               386,205
<TRADING-ASSETS>                               1,058,687
<INVESTMENTS-HELD-FOR-SALE>                    10,068,609
<INVESTMENTS-CARRYING>                         1,325,556
<INVESTMENTS-MARKET>                           1,377,812
<LOANS>                                        39,382,724
<ALLOWANCE>                                    519,312
<TOTAL-ASSETS>                                 58,060,088
<DEPOSITS>                                     36,849,305
<SHORT-TERM>                                   9,340,108
<LIABILITIES-OTHER>                            1,307,081
<LONG-TERM>                                    6,065,261
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       992,382
<OTHER-SE>                                     3,505,949
<TOTAL-LIABILITIES-AND-EQUITY>                 58,060,088
<INTEREST-LOAN>                                811,917
<INTEREST-INVEST>                              189,554
<INTEREST-OTHER>                               16,754
<INTEREST-TOTAL>                               1,018,225
<INTEREST-DEPOSIT>                             309,629
<INTEREST-EXPENSE>                             515,973
<INTEREST-INCOME-NET>                          502,252
<LOAN-LOSSES>                                  62,231
<SECURITIES-GAINS>                             1,558
<EXPENSE-OTHER>                                388,601
<INCOME-PRETAX>                                279,847
<INCOME-PRE-EXTRAORDINARY>                     193,475
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   193,475
<EPS-PRIMARY>                                  .97
<EPS-DILUTED>                                  .95
<YIELD-ACTUAL>                                 4.13
<LOANS-NON>                                    129,230
<LOANS-PAST>                                   79,155
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               519,297
<CHARGE-OFFS>                                  76,997
<RECOVERIES>                                   14,781
<ALLOWANCE-CLOSE>                              519,312
<ALLOWANCE-DOMESTIC>                           0<F1>
<ALLOWANCE-FOREIGN>                            0<F1>
<ALLOWANCE-UNALLOCATED>                        0<F1>
<FN>
<F1>AVAILABLE ONLY AT YEAR END
</FN>