EX-99 EXHIBIT INDEX
                                    EXHIBIT

 3.1     Exhibit 3.1 to the Annual Report on Form 10-K for the fiscal year ended
         December  31,  1996,  filed  with  the  Commission  by  the  Registrant
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Articles of Incorporation of the Registrant, as amended to date)

3.2      Exhibit 3.2 to the Annual Report on Form 10-K for the fiscal year ended
         December  31,  1996,  filed  with  the  Commission  by  the  Registrant
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (By-Laws of the Registrant, as amended to date)

10.13    Exhibit  10.13 to the Annual  Report on Form 10-K for the  fiscal  year
         ended  December 31, 1988,  filed with the  Commission by the Registrant
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Deferred   Compensation   Plan  for  Outside   Directors  of  Hibernia
         Corporation and its Subsidiaries, as amended to date)

10.14    Exhibit  10.14 to the Annual  Report on Form 10-K for the  fiscal  year
         ended  December 31, 1990,  filed with the  Commission by the Registrant
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Hibernia Corporation Executive Life Insurance Plan)

10.16    Exhibit 4.7 to the  Registration  Statement  on Form S-8 filed with the
         Commission  by the  Registrant  (Registration  No.  33-26871) is hereby
         incorporated by reference (Hibernia Corporation 1987 Stock Option Plan,
         as amended to date)

10.34    Exhibit C to the  Registrant's  definitive proxy statement dated August
         17, 1992 relating to its 1992 Annual Meeting of  Shareholders  filed by
         the Registrant with the Commission is hereby  incorporated by reference
         (Long-Term Incentive Plan of Hibernia Corporation)

10.35    Exhibit A to the  Registrant's  definitive  proxy statement dated March
         23, 1993 relating to its 1993 Annual Meeting of  Shareholders  filed by
         the Registrant with the Commission is hereby  incorporated by reference
         (1993 Director Stock Option Plan of Hibernia Corporation)

10.36    Exhibit  10.36 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1993  filed  with  the  Commission
         (Commission  file no.  0-7220)  is  hereby  incorporated  by  reference
         (Employment   agreement   between   Stephen  A.  Hansel  and   Hibernia
         Corporation)

10.37    Exhibit  10.37 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1994  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Employment   Agreement   between  J.  Herbert  Boydstun  and  Hibernia
         Corporation)

10.38    Exhibit  10.38 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1993  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Employment   Agreement   between  E.R.   "Bo"  Campbell  and  Hibernia
         Corporation)

10.39    Exhibit  10.39 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Employment Agreement between B.D. Flurry and Hibernia Corporation)

10.40    Exhibit  10.40 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Split-Dollar Life Insurance Plan of Hibernia Corporation  effective as
         of July 1996)

10.41    Exhibit  10.41 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Nonqualified  Deferred  Compensation Plan for Key Management Employees
         of Hibernia Corporation effective as of July 1996)

10.42    Exhibit  10.42 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Supplemental  Stock  Compensation  Plan for Key  Management  Employees
         effective as of July 1996)

10.43    Exhibit  10.43 to the  Registrant's  Annual Report on Form 10-K for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission   No.   0-7220)  is  hereby   incorporated   by   reference
         (Nonqualified   Target  Benefit   (Deferred  Award)  Plan  of  Hibernia
         Corporation effective as of July 1996))

10.44    Form of Change of Control  Employment  Agreement for Executive Officers
         of the Registrant

13       Exhibit  13 to the  Registrant's  Annual  Report  on Form  10-K for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission File No. 0-7220) is hereby  incorporated by reference (1996
         Annual Report to security holders of Hibernia Corporation).

21       Exhibit 21 to the Annual Report on Form 10-K of the  Registrant for the
         fiscal  year  ended   December  31,  1996  filed  with  the  Commission
         (Commission  File No.  0-7220)  is  hereby  incorporated  by  reference
         (Subsidiaries of the Registrant)

23       Consent of Independnt Auditors

24       Powers of Attorney

27       Financial Data Schedule

99.1     Exhibit  99.1 to the Annual  Report on Form 10-K  dated  June 26,  1997
         filed with the Commission is hereby  incorporated by reference  (Annual
         Report  of the  Retirement  Security  Plan for the  fiscal  year  ended
         December 31, 1996)

99.2     Exhibit  99.2 to the Annual  Report on Form 10-K  dated  June 26,  1997
         filed with the Commission is hereby  incorporated by reference  (Annual
         Report of the Employee  Stock  Ownership  Plan and Trust for the fiscal
         year ended December 31, 1996)