<ARTICLE>                     5
<LEGEND>
     This schedule contains summary financial information extracted from
the Company's Consolidated Balance Sheet at June 30, 1999 and
Consolidated Statement of Income for the six months ended
June 30, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER>           1,000,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                         DEC-31-1999
<PERIOD-END>                              JUN-30-1999
<CASH>                                          6,096
<SECURITIES>                                   42,247
<RECEIVABLES>                                  23,673
<ALLOWANCES>                                      729
<INVENTORY>                                         0
<CURRENT-ASSETS>                                    0
<PP&E>                                          3,918
<DEPRECIATION>                                  2,123
<TOTAL-ASSETS>                                132,452
<CURRENT-LIABILITIES>                               0
<BONDS>                                        31,290
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          269
<OTHER-SE>                                      9,493
<TOTAL-LIABILITY-AND-EQUITY>                  132,452
<SALES>                                             0
<TOTAL-REVENUES>                               10,269
<CGS>                                               0
<TOTAL-COSTS>                                   5,054
<OTHER-EXPENSES>                                1,236
<LOSS-PROVISION>                                1,803
<INTEREST-EXPENSE>                                489
<INCOME-PRETAX>                                 1,687
<INCOME-TAX>                                      466
<INCOME-CONTINUING>                             1,221
<DISCONTINUED>                                      0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                     1,221
<EPS-BASIC>                                     2.73<F1>
<EPS-DILUTED>                                     2.67
<FN>
<F1> Represents basic earnings per share
</FN>