[ARTICLE] 9
[MULTIPLIER] 1,000
<TABLE>
<S> <C>
[PERIOD-TYPE] 9-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] SEP-30-1996
[CASH] 3,807,687
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 2,239,760
[INVESTMENTS-CARRYING] 4,472,509
[INVESTMENTS-MARKET] 4,472,509
[LOANS] 19,123,406
[ALLOWANCE] 167,286
[TOTAL-ASSETS] 30,233,262
[DEPOSITS] 27,501,353
[SHORT-TERM] 0
[LIABILITIES-OTHER] 279,801
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 625,000
[OTHER-SE] 1,827,108
[TOTAL-LIABILITIES-AND-EQUITY] 2,452,108
[INTEREST-LOAN] 1,280,426
[INTEREST-INVEST] 300,569
[INTEREST-OTHER] 56,501
[INTEREST-TOTAL] 1,637,496
[INTEREST-DEPOSIT] 796,024
[INTEREST-EXPENSE] 796,024
[INTEREST-INCOME-NET] 841,472
[LOAN-LOSSES] 27,000
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 586,326
[INCOME-PRETAX] 335,776
[INCOME-PRE-EXTRAORDINARY] 335,776
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 230,354
[EPS-PRIMARY] 3.69
[EPS-DILUTED] 3.69
[YIELD-ACTUAL] 4.37
[LOANS-NON] 39,952
[LOANS-PAST] 0
[LOANS-TROUBLED] 35,971
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 144,100
[CHARGE-OFFS] 4,969
[RECOVERIES] 1,155
[ALLOWANCE-CLOSE] 167,286
[ALLOWANCE-DOMESTIC] 68,904
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 92,382
</TABLE>
