<ARTICLE>                                      9
       
                             
<RESTATED>
<MULTIPLIER>                     1000
<CURRENCY>                       U.S. DOLLARS
<PERIOD-TYPE>                    YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                1
<CASH>                                         4,221,818
<INT-BEARING-DEPOSITS>                         133,191
<FED-FUNDS-SOLD>                               1,589,234
<TRADING-ASSETS>                               999,122
<INVESTMENTS-HELD-FOR-SALE>                    8,909,537
<INVESTMENTS-CARRYING>                         1,509,339
<INVESTMENTS-MARKET>                           1,578,464
<LOANS>                                        44,194,382
<ALLOWANCE>                                    544,723
<TOTAL-ASSETS>                                 65,397,069
<DEPOSITS>                                     42,653,843
<SHORT-TERM>                                   10,109,614
<LIABILITIES-OTHER>                            1,525,178
<LONG-TERM>                                    5,934,133
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       1,029,633
<OTHER-SE>                                     4,144,668
<TOTAL-LIABILITIES-AND-EQUITY>                 65,397,069
<INTEREST-LOAN>                                3,455,296
<INTEREST-INVEST>                              729,223
<INTEREST-OTHER>                               77,866
<INTEREST-TOTAL>                               4,262,385
<INTEREST-DEPOSIT>                             1,303,549
<INTEREST-EXPENSE>                             2,168,818
<INTEREST-INCOME-NET>                          2,093,567
<LOAN-LOSSES>                                  264,949
<SECURITIES-GAINS>                             1,454
<EXPENSE-OTHER>                                1,966,721
<INCOME-PRETAX>                                869,119
<INCOME-PRE-EXTRAORDINARY>                     869,119
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   592,806
<EPS-PRIMARY>                                  2.99<F1>
<EPS-DILUTED>                                  2.94
<YIELD-ACTUAL>                                 4.14
<LOANS-NON>                                    101,156
<LOANS-PAST>                                   114,343
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               519,297
<CHARGE-OFFS>                                  321,679
<RECOVERIES>                                   57,515
<ALLOWANCE-CLOSE>                              544,723
<ALLOWANCE-DOMESTIC>                           489,046
<ALLOWANCE-FOREIGN>                            3,702
<ALLOWANCE-UNALLOCATED>                        51,975
<FN>
<F1>EPS BASIC
</FN>