<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted from the
Company's Consolidated Balance Sheet at March 31, 1997 and Consolidated
Statement of Income for the three months ended March 31, 1997 and is 
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>     1,000,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           3,170
<SECURITIES>                                    38,140
<RECEIVABLES>                                   19,879
<ALLOWANCES>                                       715
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                           3,442
<DEPRECIATION>                                   1,874
<TOTAL-ASSETS>                                 108,105
<CURRENT-LIABILITIES>                                0
<BONDS>                                         23,655
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           283
<OTHER-SE>                                       8,099
<TOTAL-LIABILITY-AND-EQUITY>                   108,105
<SALES>                                              0
<TOTAL-REVENUES>                                 4,164
<CGS>                                                0
<TOTAL-COSTS>                                    1,939
<OTHER-EXPENSES>                                   510
<LOSS-PROVISION>                                   880
<INTEREST-EXPENSE>                                 195
<INCOME-PRETAX>                                    640
<INCOME-TAX>                                       186
<INCOME-CONTINUING>                                454
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       454
<EPS-PRIMARY>                                     0.94
<EPS-DILUTED>                                        0