<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10-Q FOR THE QUARTER ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND ACCOMPANYING
DISCLOSURE.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       5,274,364
<INT-BEARING-DEPOSITS>                           2,696
<FED-FUNDS-SOLD>                               734,597
<TRADING-ASSETS>                               629,735
<INVESTMENTS-HELD-FOR-SALE>                 13,862,900
<INVESTMENTS-CARRYING>                         925,167
<INVESTMENTS-MARKET>                           953,357
<LOANS>                                     72,680,815
<ALLOWANCE>                                  1,054,880
<TOTAL-ASSETS>                              98,562,000
<DEPOSITS>                                  71,527,619
<SHORT-TERM>                                13,394,311
<LIABILITIES-OTHER>                          2,177,844
<LONG-TERM>                                  3,022,835
<COMMON>                                     2,159,028
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    240,077
<OTHER-SE>                                   6,040,286
<TOTAL-LIABILITIES-AND-EQUITY>              98,562,000
<INTEREST-LOAN>                              5,108,989
<INTEREST-INVEST>                              787,732
<INTEREST-OTHER>                                48,809
<INTEREST-TOTAL>                             5,945,530
<INTEREST-DEPOSIT>                           1,756,190
<INTEREST-EXPENSE>                           2,353,502
<INTEREST-INCOME-NET>                        3,592,028
<LOAN-LOSSES>                                  544,232
<SECURITIES-GAINS>                              79,533
<EXPENSE-OTHER>                              3,077,599
<INCOME-PRETAX>                              1,575,395
<INCOME-PRE-EXTRAORDINARY>                   1,056,736
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,056,736
<EPS-PRIMARY>                                     2.38
<EPS-DILUTED>                                     2.35
<YIELD-ACTUAL>                                    5.63
<LOANS-NON>                                    415,226
<LOANS-PAST>                                   345,294
<LOANS-TROUBLED>                                 1,228
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               938,008
<CHARGE-OFFS>                                  664,748
<RECOVERIES>                                   177,323
<ALLOWANCE-CLOSE>                            1,054,880
<ALLOWANCE-DOMESTIC>                           930,313
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        124,567
        


</TABLE>