<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 8-K 
DATED OCTOBER 21, 1997 FOR THE PERIOD ENDED SEPTEMBER 30, 1997 AND IS QUALIFIED 
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           7,823
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   188
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,737
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         65,104
<ALLOWANCE>                                      1,823
<TOTAL-ASSETS>                                  97,655
<DEPOSITS>                                      70,922
<SHORT-TERM>                                     4,726
<LIABILITIES-OTHER>                              2,819
<LONG-TERM>                                      6,164
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        275
<COMMON>                                           434
<OTHER-SE>                                      12,211
<TOTAL-LIABILITIES-AND-EQUITY>                  97,655
<INTEREST-LOAN>                                  4,570
<INTEREST-INVEST>                                  573
<INTEREST-OTHER>                                    39
<INTEREST-TOTAL>                                 5,197
<INTEREST-DEPOSIT>                               1,280
<INTEREST-EXPENSE>                               1,710
<INTEREST-INCOME-NET>                            3,487
<LOAN-LOSSES>                                      420
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  3,450
<INCOME-PRETAX>                                  1,613
<INCOME-PRE-EXTRAORDINARY>                         857
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       857
<EPS-PRIMARY>                                     9.38
<EPS-DILUTED>                                     0.00
<YIELD-ACTUAL>                                    6.00
<LOANS-NON>                                        565
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     9
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,018
<CHARGE-OFFS>                                      816
<RECOVERIES>                                       201
<ALLOWANCE-CLOSE>                                1,823
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0