<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
MANAGEMENT DISCUSSION.

<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                           2,506
<INT-BEARING-DEPOSITS>                          17,637
<FED-FUNDS-SOLD>                                18,685
<TRADING-ASSETS>                                 1,325
<INVESTMENTS-HELD-FOR-SALE>                     14,223
<INVESTMENTS-CARRYING>                           1,283
<INVESTMENTS-MARKET>                             1,276
<LOANS>                                          5,383
<ALLOWANCE>                                         53
<TOTAL-ASSETS>                                  64,630
<DEPOSITS>                                      37,370
<SHORT-TERM>                                    18,769
<LIABILITIES-OTHER>                              4,340
<LONG-TERM>                                      1,220
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           167
<OTHER-SE>                                       2,764
<TOTAL-LIABILITIES-AND-EQUITY>                  64,630
<INTEREST-LOAN>                                    141
<INTEREST-INVEST>                                  464
<INTEREST-OTHER>                                   889
<INTEREST-TOTAL>                                 1,494
<INTEREST-DEPOSIT>                                 458
<INTEREST-EXPENSE>                               1,067
<INTEREST-INCOME-NET>                              427
<LOAN-LOSSES>                                        5
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,326
<INCOME-PRETAX>                                    457
<INCOME-PRE-EXTRAORDINARY>                         457
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       297
<EPS-BASIC>                                       1.85
<EPS-DILUTED>                                     1.82
<YIELD-ACTUAL>                                    5.52
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      7
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   48
<ALLOWANCE-DOMESTIC>                                 1
<ALLOWANCE-FOREIGN>                                  1
<ALLOWANCE-UNALLOCATED>                             53