<ARTICLE>                     5
<LEGEND>
This schedule  contains summary  financial  information extracted from  the
Company's Consolidated Balance Sheet at September 30, 1999 and Consolidated
Statement  of  Income for  the nine months ended September 30, 1999  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-31-1999
<PERIOD-END>                              SEP-30-1999
<CASH>                                          5,102
<SECURITIES>                                   42,183
<RECEIVABLES>                                  25,164
<ALLOWANCES>                                      761
<INVENTORY>                                         0
<CURRENT-ASSETS>                                    0
<PP&E>                                          4,102
<DEPRECIATION>                                  2,194
<TOTAL-ASSETS>                                132,616
<CURRENT-LIABILITIES>                               0
<BONDS>                                        30,903
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          269
<OTHER-SE>                                      9,475
<TOTAL-LIABILITY-AND-EQUITY>                  132,616
<SALES>                                             0
<TOTAL-REVENUES>                               15,580
<CGS>                                               0
<TOTAL-COSTS>                                   7,761
<OTHER-EXPENSES>                                1,808
<LOSS-PROVISION>                                2,668
<INTEREST-EXPENSE>                                750
<INCOME-PRETAX>                                 2,593
<INCOME-TAX>                                      724
<INCOME-CONTINUING>                             1,869
<DISCONTINUED>                                      0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                     1,869
<EPS-BASIC>                                     4.18<F1>
<EPS-DILUTED>                                     4.09
<FN>
<F1> Represents basic earnings per share
</FN>