<ARTICLE>                                                         9
<MULTIPLIER>                                                  1,000
<RESTATED>
       
 
                                  
 
<PERIOD-TYPE>                                                 12-MOS
<FISCAL-YEAR-END>                                        DEC-31-1996
<PERIOD-END>                                             DEC-31-1996
 
<CASH>                                                    2,027,979
<INT-BEARING-DEPOSITS>                                        6,547
<FED-FUNDS-SOLD>                                            243,035
<TRADING-ASSETS>                                             13,489
<INVESTMENTS-HELD-FOR-SALE>                               3,584,057
<INVESTMENTS-CARRYING>                                    2,418,733
<INVESTMENTS-MARKET>                                      2,455,774
<LOANS>                                                  22,055,674
<ALLOWANCE>                                                 349,892
<TOTAL-ASSETS>                                           31,865,187
<DEPOSITS>                                               24,669,675
<SHORT-TERM>                                              2,916,802
<LIABILITIES-OTHER>                                         502,819
<LONG-TERM>                                               1,085,456
<COMMON>                                                      2,153
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                  11,344
<OTHER-SE>                                                2,676,938
<TOTAL-LIABILITIES-AND-EQUITY>                           31,865,187
<INTEREST-LOAN>                                           1,869,407
<INTEREST-INVEST>                                           378,408
<INTEREST-OTHER>                                             27,860
<INTEREST-TOTAL>                                          2,275,675
<INTEREST-DEPOSIT>                                          788,023
<INTEREST-EXPENSE>                                        1,023,404
<INTEREST-INCOME-NET>                                     1,252,271
<LOAN-LOSSES>                                                97,334
<SECURITIES-GAINS>                                           (2,365)
<EXPENSE-OTHER>                                           1,152,252
<INCOME-PRETAX>                                             624,100
<INCOME-PRE-EXTRAORDINARY>                                  415,418
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                415,418
<EPS-PRIMARY>                                                  1.96
<EPS-DILUTED>                                                  1.93
<YIELD-ACTUAL>                                                 4.63
<LOANS-NON>                                                 129,170
<LOANS-PAST>                                                 92,430
<LOANS-TROUBLED>                                              1,112
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                            317,971
<CHARGE-OFFS>                                               119,328
<RECOVERIES>                                                 39,949
<ALLOWANCE-CLOSE>                                           349,892
<ALLOWANCE-DOMESTIC>                                        349,892
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0