<ARTICLE> 5
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED BALANCE SHEET AND STATEMENT OF INCOME AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-01-2000
<PERIOD-END>                               JUL-03-1999
<CASH>                                             397
<SECURITIES>                                     3,600<F1>
<RECEIVABLES>                                   17,656
<ALLOWANCES>                                       885
<INVENTORY>                                      5,000
<CURRENT-ASSETS>                                27,485
<PP&E>                                          11,722
<DEPRECIATION>                                   5,390
<TOTAL-ASSETS>                                  35,850
<CURRENT-LIABILITIES>                           11,674
<BONDS>                                         14,042
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           323
<OTHER-SE>                                       5,960
<TOTAL-LIABILITY-AND-EQUITY>                    35,850
<SALES>                                          8,955
<TOTAL-REVENUES>                                 1,037
<CGS>                                            6,640
<TOTAL-COSTS>                                    6,640
<OTHER-EXPENSES>                                 2,260<F2>
<LOSS-PROVISION>                                   215
<INTEREST-EXPENSE>                                 313
<INCOME-PRETAX>                                    552
<INCOME-TAX>                                       209
<INCOME-CONTINUING>                                331
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       331
<EPS-BASIC>                                       0.87<F3>
<EPS-DILUTED>                                     0.86
<FN>
<F1> Represents retained interest in transferred credit card receivables
<F2> Represents the sum of selling and administrative expense, and depreciation
     and amortization expense
<F3> Represents basic earnings per share
</FN>