TABLE E-6
                                                        FIDUCIARY INCOME
                                                       Reporting Year 1997
                                               BANKS AND THRIFTS FILING SCHEDULE E
                                                   PERCENTAGES OF TOTAL INCOME
                                                   BY ASSET SIZE GROUP
                                                  __________________________________________________________________________________
                                                                     Asset Size Groups ($ in Thousands)                           
                                                  ________________________________________________________________________________
                                                                                $500 Million - $100 - 500     Under $100      
                                                  $10+ Billion   $1 - 10 Billion$1 Billion     Million        Million         
                                                  ____________________________________________________________________________
     Number of Institutions:                                   87             142              99             381             234
                                                  __________________________________________________________________________________
     Total Assets (in thousands) of Institutions:  15,589,159,138     481,605,456      69,246,328      90,443,042       5,387,416
____________________________________________________________________________________________________________________________________
1.  GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME
   (a)  Employee Benefit Trust Accounts                      13%             15%              5%             11%             12%
   (b)  Personal Trust & Estate Accounts                     28%             47%             38%             51%             65%
   (c)  Employee Benefit Agencies                             5%              4%              0%              2%              0%
   (d)  Other Agency Accounts                                27%             18%             26%             18%             13%
   (e)  Corporate Trust & Agency Accounts                    10%              5%             31%              1%              5%
   (f)  All Other Fiduciary Income                           18%             12%              1%             16%              4%
                                                  __________________________________________________________________________________
   (g)  Total Fiduciary Income                              100%            100%            100%            100%            100%
                                                  __________________________________________________________________________________
2.  EXPENSES
   (a)  Salaries and Employee Benefits                       34%             33%             48%             52%             59%
   (b)  Other Direct Expense                                 20%             23%             55%             34%             25%
   (c)  Allocated Indirect Expense                           23%             15%              2%              6%              1%
                                                  __________________________________________________________________________________
   (d)  Total Expense                                        77%             71%            105%             92%             86%
                                                  __________________________________________________________________________________
3.  SETTLEMENTS, SURCHARGES & OTHER LOSSES
   (a)  Gross Settlements, Surcharges & Other Loss            1%              1%              0%              0%              0%
   (b)  Recoveries to Reported Losses                         0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
   (c)  Net Settlements, Surcharges & Losses                  1%              1%              0%              0%              0%
                                                  __________________________________________________________________________________


                                                            TABLE E-6
                                                        FIDUCIARY INCOME
                                                       Reporting Year 1997
                                               BANKS AND THRIFTS FILING SCHEDULE E
                                                   PERCENTAGES OF TOTAL INCOME
                                                   BY ASSET SIZE GROUP
                                                       (continued)
                                                  __________________________________________________________________________________
                                                                     Asset Size Groups ($ in Thousands)                           
                                                  ________________________________________________________________________________
                                                                                $500 Million - $100 - 500     Under $100      
                                                  $10+ Billion   $1 - 10 Billion$1 Billion     Million        Million         
                                                  ____________________________________________________________________________

____________________________________________________________________________________________________________________________________
                                                  __________________________________________________________________________________
4.  NET OPERATING INCOME (LOSS)                              22%             28%  (           5%)             8%             14%
     (Item 1(g) minus items 2(d) and 3(c))
                                                  __________________________________________________________________________________
5.  CREDIT FOR OWN-INSTITUTION DEPOSITS                      12%              7%             28%              7%              2%
                                                  __________________________________________________________________________________
                                                  __________________________________________________________________________________
6.  NET TRUST INCOME (LOSS) (Item 4 plus item 5)             34%             35%             23%             16%             16%
                                                  __________________________________________________________________________________









                                                            TABLE E-6
                                                        FIDUCIARY INCOME
                                                       Reporting Year 1997
                                               BANKS AND THRIFTS FILING SCHEDULE E
                                                   PERCENTAGES OF TOTAL INCOME
                                                   BY ASSET SIZE GROUP
                                                       (continued)
                                                  __________________________________________________________________________________
                                                                     Asset Size Groups ($ in Thousands)                           
                                                  ________________________________________________________________________________
                                                                                $500 Million - $100 - 500     Under $100      
                                                  $10+ Billion   $1 - 10 Billion$1 Billion     Million        Million         
                                                  ____________________________________________________________________________

____________________________________________________________________________________________________________________________________
7.  SETTLEMENTS, SURCHARGES & OTHER LOSSES-BY TYPE OF ACCOUNT AND INVESTMENT DISCRETION
     (Completed if the amount in item 3(a) above is $100,000 or more)
                                                                            Discretionary Accounts
                                                  __________________________________________________________________________________
   (a)  Employee Benefit Trust Accounts                       0%              0%              0%              0%              0%
   (b)  Personal Trust & Estate Accounts                      0%              0%              0%              0%              0%
   (c)  Employee Benefit Agencies                             0%              0%              0%              0%              0%
   (d)  Other Agency Accounts                                 0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
     Subtotal - Discretionary Accounts                        0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
                                                                          Non-Discretionary Accounts
                                                  __________________________________________________________________________________
   (e)  Employee Benefit Trusts                               0%              0%              0%              0%              0%
   (f)  Personal Trust & Estate Accounts                      0%              0%              0%              0%              0%
   (g)  Employee Benefit Agencies                             0%              0%              0%              0%              0%
   (h)  Other Agency Accounts                                 0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
     Subtotal - Non - Discretionary Accounts                  0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
                                                                                Other Accounts
                                                  __________________________________________________________________________________
   (i)  Corporate Trust & Agency Accounts                     0%              0%              0%              0%              0%
   (j)  All Other Activities                                  0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
     Subtotal - Other Accounts                                0%              0%              0%              0%              0%
                                                  __________________________________________________________________________________
                                                            TABLE E-6
                                                        FIDUCIARY INCOME
                                                       Reporting Year 1997
                                               BANKS AND THRIFTS FILING SCHEDULE E
                                                   PERCENTAGES OF TOTAL INCOME
                                                   BY ASSET SIZE GROUP
                                                       (continued)
                                                  __________________________________________________________________________________
                                                                     Asset Size Groups ($ in Thousands)                           
                                                  ________________________________________________________________________________
                                                                                $500 Million - $100 - 500     Under $100      
                                                  $10+ Billion   $1 - 10 Billion$1 Billion     Million        Million         
                                                  ____________________________________________________________________________

____________________________________________________________________________________________________________________________________
                                                  __________________________________________________________________________________
     Total Settlements, Surcharges & Other Losses             1%              1%              0%              0%              0%