<ARTICLE>                     9
<MULTIPLIER>                  1000
<CURRENCY>                    U.S. Dollars
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                          1
<CASH>                                           3,800,265
<INT-BEARING-DEPOSITS>                             109,983
<FED-FUNDS-SOLD>                                   675,470
<TRADING-ASSETS>                                   664,812
<INVESTMENTS-HELD-FOR-SALE>                      7,983,648
<INVESTMENTS-CARRYING>                           1,383,607
<INVESTMENTS-MARKET>                             1,442,126
<LOANS>                                         45,719,222
<ALLOWANCE>                                        547,992
<TOTAL-ASSETS>                                  64,122,842
<DEPOSITS>                                      40,994,729
<SHORT-TERM>                                     8,735,062
<LIABILITIES-OTHER>                              1,458,092
<LONG-TERM>                                      7,596,727
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         1,014,931
<OTHER-SE>                                       4,323,301
<TOTAL-LIABILITIES-AND-EQUITY>                  64,122,842
<INTEREST-LOAN>                                  3,873,404
<INTEREST-INVEST>                                  708,553
<INTEREST-OTHER>                                    83,288
<INTEREST-TOTAL>                                 4,665,245
<INTEREST-DEPOSIT>                               1,359,705
<INTEREST-EXPENSE>                               2,314,213
<INTEREST-INCOME-NET>                            2,351,032
<LOAN-LOSSES>                                      299,480
<SECURITIES-GAINS>                                  20,442
<EXPENSE-OTHER>                                  1,996,332
<INCOME-PRETAX>                                  1,303,781
<INCOME-PRE-EXTRAORDINARY>                         874,170
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       874,170
<EPS-PRIMARY>                                         4.26<F1>
<EPS-DILUTED>                                         4.18
<YIELD-ACTUAL>                                        4.24
<LOANS-NON>                                        157,118
<LOANS-PAST>                                       136,807
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   544,723
<CHARGE-OFFS>                                      358,189
<RECOVERIES>                                        59,365
<ALLOWANCE-CLOSE>                                  547,992
<ALLOWANCE-DOMESTIC>                               502,352
<ALLOWANCE-FOREIGN>                                  6,342
<ALLOWANCE-UNALLOCATED>                             39,298
        

<FN>
EPS-BASIC
</FN>