<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted 
from the Company's Consolidated Balance Sheet at September 30,
1997 and Consolidated Statement of Income for the nine months
ended September 30, 1997 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER>    1,000,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           4,614
<SECURITIES>                                    39,182
<RECEIVABLES>                                   21,248
<ALLOWANCES>                                       745
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                           3,461
<DEPRECIATION>                                   1,877
<TOTAL-ASSETS>                                 117,642
<CURRENT-LIABILITIES>                                0
<BONDS>                                         26,591
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           280
<OTHER-SE>                                       8,838
<TOTAL-LIABILITY-AND-EQUITY>                   117,642
<SALES>                                              0
<TOTAL-REVENUES>                                13,086
<CGS>                                                0
<TOTAL-COSTS>                                    6,165
<OTHER-EXPENSES>                                 1,475
<LOSS-PROVISION>                                 2,712
<INTEREST-EXPENSE>                                 674
<INCOME-PRETAX>                                  2,060
<INCOME-TAX>                                       562
<INCOME-CONTINUING>                              1,498
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,498
<EPS-PRIMARY>                                     3.12
<EPS-DILUTED>                                        0