<ARTICLE>                     5
<LEGEND>
This schedule contains summary financial information extracted
from the Company's Consolidated Balance Sheet at September 30, 1998
and Consolidated Statement of Income for the nine months ended
September 30, 1998 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-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           6,594
<SECURITIES>                                    40,365
<RECEIVABLES>                                   21,542
<ALLOWANCES>                                       701
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                           3,517
<DEPRECIATION>                                   1,976
<TOTAL-ASSETS>                                 120,914
<CURRENT-LIABILITIES>                                0
<BONDS>                                         28,371
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           271
<OTHER-SE>                                       9,132
<TOTAL-LIABILITY-AND-EQUITY>                   120,914
<SALES>                                              0
<TOTAL-REVENUES>                                14,069
<CGS>                                                0
<TOTAL-COSTS>                                    6,864
<OTHER-EXPENSES>                                 1,322
<LOSS-PROVISION>                                 2,939
<INTEREST-EXPENSE>                                 732
<INCOME-PRETAX>                                  2,212
<INCOME-TAX>                                       601
<INCOME-CONTINUING>                              1,611
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,611
<EPS-PRIMARY>                                     3.53<F1>
<EPS-DILUTED>                                     3.47
        
<FN>
Represents basic earnings per share.
</FN>