<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR
THE PERIOD ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           7,130
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   590
<TRADING-ASSETS>                                 1,018
<INVESTMENTS-HELD-FOR-SALE>                      8,449
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         64,320
<ALLOWANCE>                                      1,835
<TOTAL-ASSETS>                                  93,200
<DEPOSITS>                                      70,450
<SHORT-TERM>                                     1,549
<LIABILITIES-OTHER>                              2,449
<LONG-TERM>                                      5,714
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        275
<COMMON>                                           425
<OTHER-SE>                                      12,250
<TOTAL-LIABILITIES-AND-EQUITY>                  93,200
<INTEREST-LOAN>                                  3,027
<INTEREST-INVEST>                                  275
<INTEREST-OTHER>                                    59
<INTEREST-TOTAL>                                 3,361
<INTEREST-DEPOSIT>                                 811
<INTEREST-EXPENSE>                               1,082
<INTEREST-INCOME-NET>                            2,279
<LOAN-LOSSES>                                      350
<SECURITIES-GAINS>                                  23
<EXPENSE-OTHER>                                  2,189
<INCOME-PRETAX>                                  1,200
<INCOME-PRE-EXTRAORDINARY>                         652
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       652
<EPS-PRIMARY>                                     7.52<F1>
<EPS-DILUTED>                                     7.45
<YIELD-ACTUAL>                                    6.12
<LOANS-NON>                                        517
<LOANS-PAST>                                       203
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,828
<CHARGE-OFFS>                                      481
<RECOVERIES>                                       138
<ALLOWANCE-CLOSE>                                1,835
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Amount represents basic earnings per common share pursuant to FAS 128.
</FN>