<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                           1,266
<INT-BEARING-DEPOSITS>                          18,101
<FED-FUNDS-SOLD>                                18,134
<TRADING-ASSETS>                                   891
<INVESTMENTS-HELD-FOR-SALE>                     13,615
<INVESTMENTS-CARRYING>                           1,308
<INVESTMENTS-MARKET>                             1,306
<LOANS>                                          5,689
<ALLOWANCE>                                         56
<TOTAL-ASSETS>                                  64,979
<DEPOSITS>                                      36,939
<SHORT-TERM>                                    20,599
<LIABILITIES-OTHER>                              3,132
<LONG-TERM>                                      1,220
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           167
<OTHER-SE>                                       2,922
<TOTAL-LIABILITIES-AND-EQUITY>                  64,979
<INTEREST-LOAN>                                    216
<INTEREST-INVEST>                                  698
<INTEREST-OTHER>                                 1,418
<INTEREST-TOTAL>                                 2,332
<INTEREST-DEPOSIT>                                 718
<INTEREST-EXPENSE>                               1,670
<INTEREST-INCOME-NET>                              662
<LOAN-LOSSES>                                        8
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,991
<INCOME-PRETAX>                                    680
<INCOME-PRE-EXTRAORDINARY>                         680
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       448
<EPS-BASIC>                                       2.78
<EPS-DILUTED>                                     2.73
<YIELD-ACTUAL>                                    5.65
<LOANS-NON>                                          5
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    48
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                   56
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0