<ARTICLE>                                                    5
<MULTIPLIER>                                                 1,000
       
                                                          
<PERIOD-TYPE>                                                YEAR
<FISCAL-YEAR-END>                                            FEB-28-1997
<PERIOD-END>                                                 FEB-28-1997
<CASH>                                                       18,269
<SECURITIES>                                                 0
<RECEIVABLES>                                                1,451,979
<ALLOWANCES>                                                 0
<INVENTORY>                                                  0
<CURRENT-ASSETS>                                             0
<PP&E>                                                       292,363
<DEPRECIATION>                                               102,259
<TOTAL-ASSETS>                                               8,089,292
<CURRENT-LIABILITIES>                                        0
<BONDS>                                                      2,549,319
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                     5,305
<OTHER-SE>                                                   1,606,226
<TOTAL-LIABILITY-AND-EQUITY>                                 8,089,292
<SALES>                                                      0
<TOTAL-REVENUES>                                             1,112,462
<CGS>                                                        0
<TOTAL-COSTS>                                                690,564
<OTHER-EXPENSES>                                             0
<LOSS-PROVISION>                                             0
<INTEREST-EXPENSE>                                           0
<INCOME-PRETAX>                                              421,898
<INCOME-TAX>                                                 164,540
<INCOME-CONTINUING>                                          257,358
<DISCONTINUED>                                               0
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                                 257,358
<EPS-PRIMARY>                                                2.44
<EPS-DILUTED>                                                2.42
<FN>
Total Revenues includes $316,705 of interest expense related to
mortgage loan activities.
</FN>