<ARTICLE> 9
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-2000
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<ALLOWANCE>                                        558
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<DEPOSITS>                                      55,152
<SHORT-TERM>                                    10,435
<LIABILITIES-OTHER>                              5,762
<LONG-TERM>                                      4,990
<PREFERRED-MANDATORY>                              711
<PREFERRED>                                        500
<COMMON>                                             0
<OTHER-SE>                                       9,514
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<INTEREST-DEPOSIT>                               1,689
<INTEREST-EXPENSE>                               2,340
<INTEREST-INCOME-NET>                            1,657
<LOAN-LOSSES>                                       85
<SECURITIES-GAINS>                                  12
<EXPENSE-OTHER>                                  1,429
<INCOME-PRETAX>                                    800
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