<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 8-K
DATED OCTOBER 20, 1998 FOR THE PERIOD ENDED SEPTEMBER 30, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           6,538
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,080
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,242
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         64,374
<ALLOWANCE>                                      1,833
<TOTAL-ASSETS>                                  92,815
<DEPOSITS>                                      69,769
<SHORT-TERM>                                     1,870
<LIABILITIES-OTHER>                              2,760
<LONG-TERM>                                      5,113
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        275
<COMMON>                                           426
<OTHER-SE>                                      12,499
<TOTAL-LIABILITIES-AND-EQUITY>                  92,815
<INTEREST-LOAN>                                  4,524
<INTEREST-INVEST>                                  403
<INTEREST-OTHER>                                   101
<INTEREST-TOTAL>                                 5,028
<INTEREST-DEPOSIT>                               1,219
<INTEREST-EXPENSE>                               1,602
<INTEREST-INCOME-NET>                            3,426
<LOAN-LOSSES>                                      510
<SECURITIES-GAINS>                                  41
<EXPENSE-OTHER>                                  3,277
<INCOME-PRETAX>                                  1,836
<INCOME-PRE-EXTRAORDINARY>                         999
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       999
<EPS-PRIMARY>                                    11.55<F1>
<EPS-DILUTED>                                    11.44
<YIELD-ACTUAL>                                    6.14
<LOANS-NON>                                        506
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,828
<CHARGE-OFFS>                                      713
<RECOVERIES>                                       208
<ALLOWANCE-CLOSE>                                1,833
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Amount represents basic earnings per common share pursuant to FAS 128.
</FN>