<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-K
FILINGS DATED 3/16/98, 3/14/97 AND 3/19/96 FOR THE YEARS ENDED 12/31/97,
12/31/96 AND 12/31/95, RESPECTIVELY, AND THE 10-Q FILINGS DATED 11/13/97 AND
8/13/97 FOR THE YEAR-TO-DATE PERIODS ENDED 9/30/97 AND 6/30/97, RESPECTIVELY,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<RESTATED> 
<MULTIPLIER> 1,000,000
       
                                                                                            

<PERIOD-TYPE>                   YEAR                   YEAR                   YEAR                   9-MOS
6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996             DEC-31-1995             DEC-31-1997
             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1996             JAN-01-1995             JAN-01-1997
             JAN-01-1997
<PERIOD-END>                               DEC-31-1997             DEC-31-1996             DEC-31-1995             SEP-30-1997
             JUN-30-1997
<CASH>                                           8,169                  11,736                   3,375                   7,823
                   8,037
<INT-BEARING-DEPOSITS>                               0                       0                       0                       0
                       0
<FED-FUNDS-SOLD>                                    82                     187                     177                     188
                     224
<TRADING-ASSETS>                                   815                     404                       0                       0
                       0
<INVESTMENTS-HELD-FOR-SALE>                      9,888                  13,505                   8,920                  10,737
                  11,530
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
                       0
<LOANS>                                         65,734                  67,389                  35,582                  65,104
                  65,689
<ALLOWANCE>                                      1,828                   2,018                   1,794                   1,823
                   1,850
<TOTAL-ASSETS>                                  97,456                 108,888                  50,316                  97,655
                 100,180
<DEPOSITS>                                      72,199                  81,821                  38,982                  70,922
                  73,748
<SHORT-TERM>                                     3,825                   2,430                   2,976                   4,726
                   4,445
<LIABILITIES-OTHER>                              2,578                   4,118                   1,156                   2,819
                   3,065
<LONG-TERM>                                      5,867                   6,210                   3,049                   6,164
                   5,719
<PREFERRED-MANDATORY>                                0                       0                       0                       0
                       0
<PREFERRED>                                        275                     600                     489                     275
                     275
<COMMON>                                           431                     457                     235                     434
                     440
<OTHER-SE>                                      12,183                  13,055                   3,331                  12,211
                  12,391
<TOTAL-LIABILITIES-AND-EQUITY>                  97,456                 108,888                  50,316                  97,655
                 100,180
<INTEREST-LOAN>                                  6,094                   5,688                   3,403                   4,570
                   3,057
<INTEREST-INVEST>                                  732                     779                     599                     573
                     398
<INTEREST-OTHER>                                    78                      56                      83                      54
                      35
<INTEREST-TOTAL>                                 6,904                   6,523                   4,085                   5,197
                   3,490
<INTEREST-DEPOSIT>                               1,703                   1,586                     997                   1,280
                     851
<INTEREST-EXPENSE>                               2,290                   2,002                   1,431                   1,710
                   1,131
<INTEREST-INCOME-NET>                            4,614                   4,521                   2,654                   3,487
                   2,359
<LOAN-LOSSES>                                      615                     105                       0                     420
                     245
<SECURITIES-GAINS>                                  20                      10                    (17)                       6
                       7
<EXPENSE-OTHER>                                  4,549                   4,637                   2,201                   3,450
                   2,363
<INCOME-PRETAX>                                  2,154                   1,979                   1,777                   1,613
                   1,070
<INCOME-PRE-EXTRAORDINARY>                       1,155                   1,071                   1,032                     857
                     568
<EXTRAORDINARY>                                      0                       0                       0                       0
                       0
<CHANGES>                                            0                       0                       0                       0
                       0
<NET-INCOME>                                     1,155                   1,071                   1,032                     857
                     568
<EPS-PRIMARY>                                    12.77<F1>                   12.21<F1>                   20.37<F1>
                    9.38<F1>                 6.12<F1>
<EPS-DILUTED>                                    12.64                   12.05                   20.06                    9.28
                    6.06
<YIELD-ACTUAL>                                    5.99                    6.11                    5.80                    6.00
                    6.03
<LOANS-NON>                                        528                     714                     538                     565
                     602
<LOANS-PAST>                                       243                     333                     144                     241
                     259
<LOANS-TROUBLED>                                     9                      10                      14                       9
                      10
<LOANS-PROBLEM>                                      0                       0                       0                       0
                       0
<ALLOWANCE-OPEN>                                 2,018                   1,794                   2,082                   2,018
                   2,018
<CHARGE-OFFS>                                    1,078                     860                     422                     816
                     545
<RECOVERIES>                                       273                     220                     134                     201
                     132
<ALLOWANCE-CLOSE>                                1,828                   2,018                   1,794                   1,823
                   1,850
<ALLOWANCE-DOMESTIC>                                 0                       0                       0                       0
                       0
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
                       0
<ALLOWANCE-UNALLOCATED>                            608                     798                     939                       0
                       0
<FN>
<F1>Amounts for all periods presented represent basic earnings per common share pursuant to FAS 128.
</FN>