<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       3,600,689
<INT-BEARING-DEPOSITS>                          14,962
<FED-FUNDS-SOLD>                             1,021,249
<TRADING-ASSETS>                               515,719
<INVESTMENTS-HELD-FOR-SALE>                 17,184,884
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     69,736,062<F1>
<ALLOWANCE>                                    874,034
<TOTAL-ASSETS>                              96,040,910
<DEPOSITS>                                  66,340,228
<SHORT-TERM>                                11,483,925
<LIABILITIES-OTHER>                          3,439,653
<LONG-TERM>                                  7,668,392
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       323,163
<OTHER-SE>                                   6,785,549
<TOTAL-LIABILITIES-AND-EQUITY>              96,040,910
<INTEREST-LOAN>                              1,331,655<F2>
<INTEREST-INVEST>                              254,480
<INTEREST-OTHER>                                24,694
<INTEREST-TOTAL>                             1,610,829
<INTEREST-DEPOSIT>                             554,962
<INTEREST-EXPENSE>                             828,236
<INTEREST-INCOME-NET>                          782,593
<LOAN-LOSSES>                                   22,292
<SECURITIES-GAINS>                               6,862
<EXPENSE-OTHER>                                704,315
<INCOME-PRETAX>                                492,838
<INCOME-PRE-EXTRAORDINARY>                     319,439
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   319,439
<EPS-BASIC>                                       1.04
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                    284,880
<LOANS-PAST>                                   160,059
<LOANS-TROUBLED>                                     7
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               871,323
<CHARGE-OFFS>                                   35,309
<RECOVERIES>                                    15,728
<ALLOWANCE-CLOSE>                              874,034
<ALLOWANCE-DOMESTIC>                           874,034
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        874,034
<FN>
<F1>Includes loans held for sale of 1,121,702
<F2>Includes interest on loans held for sale of 25,126
</FN>