<ARTICLE>                                            9
<RESTATED>
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   MAR-31-1996
<EXCHANGE-RATE>                                1
<CASH>                                         2,918,319
<INT-BEARING-DEPOSITS>                         460,481
<FED-FUNDS-SOLD>                               541,710
<TRADING-ASSETS>                               882,204
<INVESTMENTS-HELD-FOR-SALE>                    10,828,391
<INVESTMENTS-CARRYING>                         1,535,659
<INVESTMENTS-MARKET>                           1,615,807
<LOANS>                                        36,246,927
<ALLOWANCE>                                    518,928
<TOTAL-ASSETS>                                 55,868,778
<DEPOSITS>                                     33,707,272
<SHORT-TERM>                                   9,583,031
<LIABILITIES-OTHER>                            1,219,088
<LONG-TERM>                                    6,821,651
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
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<OTHER-SE>                                     3,504,132
<TOTAL-LIABILITIES-AND-EQUITY>                 55,868,778
<INTEREST-LOAN>                                745,943
<INTEREST-INVEST>                              207,185
<INTEREST-OTHER>                               25,882
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<INTEREST-DEPOSIT>                             303,184
<INTEREST-EXPENSE>                             519,597
<INTEREST-INCOME-NET>                          459,413
<LOAN-LOSSES>                                  37,641
<SECURITIES-GAINS>                             1,018
<EXPENSE-OTHER>                                368,647
<INCOME-PRETAX>                                260,178
<INCOME-PRE-EXTRAORDINARY>                     177,851
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   177,851
<EPS-PRIMARY>                                  .86
<EPS-DILUTED>                                  .85
<YIELD-ACTUAL>                                 3.90
<LOANS-NON>                                    139,302
<LOANS-PAST>                                   77,279
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
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<CHARGE-OFFS>                                  53,468
<RECOVERIES>                                   15,947
<ALLOWANCE-CLOSE>                              518,928
<ALLOWANCE-DOMESTIC>                           0<F1>
<ALLOWANCE-FOREIGN>                            0<F1>
<ALLOWANCE-UNALLOCATED>                        0<F1>
<FN>
<F1>AVAILABLE ONLY AT YEAR END
</FN>