<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       3,200,930
<INT-BEARING-DEPOSITS>                          10,410
<FED-FUNDS-SOLD>                             1,427,318
<TRADING-ASSETS>                               745,087
<INVESTMENTS-HELD-FOR-SALE>                 17,098,832
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     73,609,485   
<ALLOWANCE>                                    874,490
<TOTAL-ASSETS>                             100,546,052
<DEPOSITS>                                  69,152,870
<SHORT-TERM>                                11,321,661
<LIABILITIES-OTHER>                          4,038,815
<LONG-TERM>                                  8,334,903
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       323,163
<OTHER-SE>                                   7,374,640
<TOTAL-LIABILITIES-AND-EQUITY>             100,546,052
<INTEREST-LOAN>                              4,206,795   
<INTEREST-INVEST>                              749,878
<INTEREST-OTHER>                                90,421
<INTEREST-TOTAL>                             5,047,094
<INTEREST-DEPOSIT>                           1,796,753
<INTEREST-EXPENSE>                           2,724,021
<INTEREST-INCOME-NET>                        2,323,073
<LOAN-LOSSES>                                   80,525
<SECURITIES-GAINS>                               7,807
<EXPENSE-OTHER>                              2,130,669
<INCOME-PRETAX>                              1,439,934
<INCOME-PRE-EXTRAORDINARY>                     963,728
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   963,728
<EPS-DILUTED>                                     3.19
<EPS-BASIC>                                     3.22
<YIELD-ACTUAL>                                    3.47
<LOANS-NON>                                    380,938
<LOANS-PAST>                                   150,784
<LOANS-TROUBLED>                                     4
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               871,323
<CHARGE-OFFS>                                  122,614
<RECOVERIES>                                    45,256
<ALLOWANCE-CLOSE>                              874,490
<ALLOWANCE-DOMESTIC>                           874,490
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        874,490

<F1>    Includes loans held for sale of 1,495,836
<F2>    Includes interest on loans held for sale of 77,291