<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the June 30,
2000 consolidated financial statements and management's discussion and analysis
of financial condition and results of operations contained in this Form 10-Q and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 7,964
<INT-BEARING-DEPOSITS> 1,633
<FED-FUNDS-SOLD> 2,647
<TRADING-ASSETS> 8,199
<INVESTMENTS-HELD-FOR-SALE> 22,014
<INVESTMENTS-CARRYING> 832
<INVESTMENTS-MARKET> 834
<LOANS> 112,476
<ALLOWANCE> 2,472
<TOTAL-ASSETS> 181,259
<DEPOSITS> 104,692
<SHORT-TERM> 15,578
<LIABILITIES-OTHER> 18,039
<LONG-TERM> 27,733
0
566
<COMMON> 9
<OTHER-SE> 14,642
<TOTAL-LIABILITIES-AND-EQUITY> 181,259
<INTEREST-LOAN> 5,557
<INTEREST-INVEST> 885
<INTEREST-OTHER> 380
<INTEREST-TOTAL> 6,822
<INTEREST-DEPOSIT> 1,781
<INTEREST-EXPENSE> 3,443
<INTEREST-INCOME-NET> 3,379
<LOAN-LOSSES> 610
<SECURITIES-GAINS> (51)
<EXPENSE-OTHER> 4,735
<INCOME-PRETAX> 3,113
<INCOME-PRE-EXTRAORDINARY> 3,113
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,804
<EPS-BASIC> 1.98
<EPS-DILUTED> 1.94
<YIELD-ACTUAL> 4.27
<LOANS-NON> 899
<LOANS-PAST> 271
<LOANS-TROUBLED> 2
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,488
<CHARGE-OFFS> 655
<RECOVERIES> 95
<ALLOWANCE-CLOSE> 2,472
<ALLOWANCE-DOMESTIC> 2,102
<ALLOWANCE-FOREIGN> 277
<ALLOWANCE-UNALLOCATED> 93
</TABLE>