<ARTICLE>                                            9
<RESTATED>
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   SEP-30-1996
<EXCHANGE-RATE>                                1
<CASH>                                         3,292,223
<INT-BEARING-DEPOSITS>                         479,268
<FED-FUNDS-SOLD>                               418,479
<TRADING-ASSETS>                               1,144,465
<INVESTMENTS-HELD-FOR-SALE>                    10,324,878
<INVESTMENTS-CARRYING>                         1,403,972
<INVESTMENTS-MARKET>                           1,461,686
<LOANS>                                        38,173,745
<ALLOWANCE>                                    519,271
<TOTAL-ASSETS>                                 57,806,822
<DEPOSITS>                                     35,403,097
<SHORT-TERM>                                   9,836,528
<LIABILITIES-OTHER>                            1,290,089
<LONG-TERM>                                    6,732,846
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       1,012,525
<OTHER-SE>                                     3,531,738
<TOTAL-LIABILITIES-AND-EQUITY>                 57,806,822
<INTEREST-LOAN>                                2,299,136
<INTEREST-INVEST>                              610,371
<INTEREST-OTHER>                               76,502
<INTEREST-TOTAL>                               2,986,009
<INTEREST-DEPOSIT>                             896,452
<INTEREST-EXPENSE>                             1,563,176
<INTEREST-INCOME-NET>                          1,422,833
<LOAN-LOSSES>                                  134,481
<SECURITIES-GAINS>                             1,270
<EXPENSE-OTHER>                                1,122,947
<INCOME-PRETAX>                                813,667
<INCOME-PRE-EXTRAORDINARY>                     555,751
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   555,751
<EPS-PRIMARY>                                  2.70
<EPS-DILUTED>                                  2.67
<YIELD-ACTUAL>                                 3.99
<LOANS-NON>                                    137,926
<LOANS-PAST>                                   75,665
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               518,808
<CHARGE-OFFS>                                  177,040
<RECOVERIES>                                   42,822
<ALLOWANCE-CLOSE>                              519,271
<ALLOWANCE-DOMESTIC>                           0<F1>
<ALLOWANCE-FOREIGN>                            0<F1>
<ALLOWANCE-UNALLOCATED>                        0<F1>
<FN>
<F1>AVAILABLE ONLY AT YEAR END
</FN>