<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-K DATED MARCH 14, 1997 FOR THE PERIOD ENDED DECEMBER 31, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          11,736
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   187
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,505
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         67,389
<ALLOWANCE>                                      2,018
<TOTAL-ASSETS>                                 108,888
<DEPOSITS>                                      81,821
<SHORT-TERM>                                     2,430
<LIABILITIES-OTHER>                              4,118
<LONG-TERM>                                      6,210
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        600
<COMMON>                                           457
<OTHER-SE>                                      13,055
<TOTAL-LIABILITIES-AND-EQUITY>                 108,888
<INTEREST-LOAN>                                  5,688
<INTEREST-INVEST>                                  779
<INTEREST-OTHER>                                    56
<INTEREST-TOTAL>                                 6,523
<INTEREST-DEPOSIT>                               1,586
<INTEREST-EXPENSE>                               2,002
<INTEREST-INCOME-NET>                            4,521
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                  4,637
<INCOME-PRETAX>                                  1,979
<INCOME-PRE-EXTRAORDINARY>                       1,071
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,071
<EPS-PRIMARY>                                    12.21
<EPS-DILUTED>                                    11.98
<YIELD-ACTUAL>                                    6.11
<LOANS-NON>                                        714
<LOANS-PAST>                                       333
<LOANS-TROUBLED>                                    10
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,794
<CHARGE-OFFS>                                      860
<RECOVERIES>                                       220
<ALLOWANCE-CLOSE>                                2,018
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            798
        

</TABLE>