WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1997 ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRELY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           4,912
<INT-BEARING-DEPOSITS>                              47
<FED-FUNDS-SOLD>                                   967
<TRADING-ASSETS>                                   487
<INVESTMENTS-HELD-FOR-SALE>                     17,984
<INVESTMENTS-CARRYING>                             747
<INVESTMENTS-MARKET>                               763
<LOANS>                                         42,522
<ALLOWANCE>                                      1,234
<TOTAL-ASSETS>                                  88,540
<DEPOSITS>                                      55,457
<SHORT-TERM>                                     9,557
<LIABILITIES-OTHER>                              3,737
<LONG-TERM>                                     12,767
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        188
<COMMON>                                         1,282
<OTHER-SE>                                       5,552
<TOTAL-LIABILITIES-AND-EQUITY>                  88,540
<INTEREST-LOAN>                                  4,553
<INTEREST-INVEST>                                1,359
<INTEREST-OTHER>                                   785
<INTEREST-TOTAL>                                 6,697
<INTEREST-DEPOSIT>                               1,447
<INTEREST-EXPENSE>                               2,664
<INTEREST-INCOME-NET>                            4,033
<LOAN-LOSSES>                                      525
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                  4,421
<INCOME-PRETAX>                                  2,050
<INCOME-PRE-EXTRAORDINARY>                       2,050
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,351
<EPS-BASIC>                                       1.78
<EPS-DILUTED>                                     1.75
<YIELD-ACTUAL>                                    5.74
<LOANS-NON>                                        178
<LOANS-PAST>                                       154
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,041
<CHARGE-OFFS>                                      653
<RECOVERIES>                                       153
<ALLOWANCE-CLOSE>                                1,234
<ALLOWANCE-DOMESTIC>                               798
<ALLOWANCE-FOREIGN>                                 42
<ALLOWANCE-UNALLOCATED>                            394