<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains restated summary financial information extracted from the
September 30, 1999 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>
<RESTATED>
<MULTIPLIER> 1,000,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-1999
<CASH> 6,967
<INT-BEARING-DEPOSITS> 1,862
<FED-FUNDS-SOLD> 2,504
<TRADING-ASSETS> 6,050
<INVESTMENTS-HELD-FOR-SALE> 23,200
<INVESTMENTS-CARRYING> 1,508
<INVESTMENTS-MARKET> 1,508
<LOANS> 119,772
<ALLOWANCE> 2,515
<TOTAL-ASSETS> 185,295
<DEPOSITS> 113,184
<SHORT-TERM> 17,289
<LIABILITIES-OTHER> 14,125
<LONG-TERM> 25,240
0
691
<COMMON> 9
<OTHER-SE> 14,757
<TOTAL-LIABILITIES-AND-EQUITY> 185,295
<INTEREST-LOAN> 7,821
<INTEREST-INVEST> 1,271
<INTEREST-OTHER> 586
<INTEREST-TOTAL> 9,678
<INTEREST-DEPOSIT> 2,617
<INTEREST-EXPENSE> 4,608
<INTEREST-INCOME-NET> 5,070
<LOAN-LOSSES> 688
<SECURITIES-GAINS> 10
<EXPENSE-OTHER> 6,032
<INCOME-PRETAX> 3,351
<INCOME-PRE-EXTRAORDINARY> 3,351
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,072
<EPS-BASIC> 2.20
<EPS-DILUTED> 2.15
<YIELD-ACTUAL> 4.27
<LOANS-NON> 737
<LOANS-PAST> 267
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,306
<CHARGE-OFFS> 873
<RECOVERIES> 222
<ALLOWANCE-CLOSE> 2,515
<ALLOWANCE-DOMESTIC> 1,886
<ALLOWANCE-FOREIGN> 292
<ALLOWANCE-UNALLOCATED> 337
</TABLE>