<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR
THE PERIOD ENDED JUNE 30, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          12,633
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,692
<TRADING-ASSETS>                                 2,441
<INVESTMENTS-HELD-FOR-SALE>                     35,710
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        111,646
<ALLOWANCE>                                      3,165
<TOTAL-ASSETS>                                 205,421
<DEPOSITS>                                     132,542
<SHORT-TERM>                                    20,155
<LIABILITIES-OTHER>                              9,296
<LONG-TERM>                                     22,053
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        460
<COMMON>                                         2,777
<OTHER-SE>                                      18,138
<TOTAL-LIABILITIES-AND-EQUITY>                 205,421
<INTEREST-LOAN>                                  5,188
<INTEREST-INVEST>                                1,027
<INTEREST-OTHER>                                   769
<INTEREST-TOTAL>                                 6,984
<INTEREST-DEPOSIT>                               1,396
<INTEREST-EXPENSE>                               2,407
<INTEREST-INCOME-NET>                            4,577
<LOAN-LOSSES>                                      530
<SECURITIES-GAINS>                                  21
<EXPENSE-OTHER>                                  4,706
<INCOME-PRETAX>                                  2,882
<INCOME-PRE-EXTRAORDINARY>                       1,815
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,815
<EPS-BASIC>                                       1.09<F1>
<EPS-DILUTED>                                     1.08
<YIELD-ACTUAL>                                    5.64
<LOANS-NON>                                        687
<LOANS-PAST>                                       404
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,134
<CHARGE-OFFS>                                      741
<RECOVERIES>                                       207
<ALLOWANCE-CLOSE>                                3,165
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>AMOUNT REPRESENTS BASIC EARNINGS PER COMMON SHARE PURSUANT TO FAS 128.
</FN>