<ARTICLE>     5
<MULTIPLIER>  1,000,000
<PERIOD-TYPE>                     YEAR
<FISCAL-YEAR-END>                 DEC-31-1995
<PERIOD-END>                      DEC-31-1995
<CASH>                                68
<SECURITIES>                         703
<RECEIVABLES>                      3,130
<ALLOWANCES>                           0
<INVENTORY>                            0
<CURRENT-ASSETS>                       0
<PP&E>                             3,274
<DEPRECIATION>                     1,141
<TOTAL-ASSETS>                    47,945
<CURRENT-LIABILITIES>                  0
<BONDS>                                0
<PREFERRED-MANDATORY>                  0
<PREFERRED>                          315
<COMMON>                              68
<OTHER-SE>                         3,917
<TOTAL-LIABILITY-AND-EQUITY>      47,945
<SALES>                                0
<TOTAL-REVENUES>                   6,101
<CGS>                                  0
<TOTAL-COSTS>                      3,771
<OTHER-EXPENSES>                       0
<LOSS-PROVISION>                      94
<INTEREST-EXPENSE>                   717
<INCOME-PRETAX>                      705
<INCOME-TAX>                         235
<INCOME-CONTINUING>                  470
<DISCONTINUED>                         0
<EXTRAORDINARY>                        0
<CHANGES>                              0
<NET-INCOME>                         470
<EPS-PRIMARY>                       6.58
<EPS-DILUTED>                       6.58