<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 8-K
DATED JANUARY 20, 1998 FOR THE PERIOD ENDED DECEMBER 31, 1997 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           8,169
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                    82
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,888
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         65,734
<ALLOWANCE>                                      1,828
<TOTAL-ASSETS>                                  97,456
<DEPOSITS>                                      72,199
<SHORT-TERM>                                     3,825
<LIABILITIES-OTHER>                              2,578
<LONG-TERM>                                      5,867
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        275
<COMMON>                                           431
<OTHER-SE>                                      12,183
<TOTAL-LIABILITIES-AND-EQUITY>                  97,456
<INTEREST-LOAN>                                  6,094
<INTEREST-INVEST>                                  732
<INTEREST-OTHER>                                    60
<INTEREST-TOTAL>                                 6,904
<INTEREST-DEPOSIT>                               1,703
<INTEREST-EXPENSE>                               2,290
<INTEREST-INCOME-NET>                            4,614
<LOAN-LOSSES>                                      615
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                  4,549
<INCOME-PRETAX>                                  2,154
<INCOME-PRE-EXTRAORDINARY>                       1,155
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,155
<EPS-PRIMARY>                                    12.77
<EPS-DILUTED>                                    12.64
<YIELD-ACTUAL>                                    5.99
<LOANS-NON>                                        528
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     9
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,018
<CHARGE-OFFS>                                  (1,078)
<RECOVERIES>                                       273
<ALLOWANCE-CLOSE>                                1,828
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0