<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted 
from the Company's Consolidated Balance Sheet at March 31,
1998 and Consolidated Statement of Income for the three months
ended March 31, 1998 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-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           4,342
<SECURITIES>                                    39,876
<RECEIVABLES>                                   20,779
<ALLOWANCES>                                       685
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                           3,424
<DEPRECIATION>                                   1,902
<TOTAL-ASSETS>                                 120,303
<CURRENT-LIABILITIES>                                0
<BONDS>                                         26,291
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           277
<OTHER-SE>                                       9,148
<TOTAL-LIABILITY-AND-EQUITY>                   120,303
<SALES>                                              0
<TOTAL-REVENUES>                                 4,521
<CGS>                                                0
<TOTAL-COSTS>                                    2,121
<OTHER-EXPENSES>                                   390
<LOSS-PROVISION>                                 1,170
<INTEREST-EXPENSE>                                 226
<INCOME-PRETAX>                                    614
<INCOME-TAX>                                       154
<INCOME-CONTINUING>                                460
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       460
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     0.98