<ARTICLE> 5
<LEGEND>  THIS SCHEDULE CONTAINS SUMMARY FIANANCIAL INFORMATION
          EXTRACTED FROM THE COMPANY'S FINANCIAL STATEMENTS FOR THE
          YEAR ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY 
          BY REFERENCE TO SUCH STATEMENTS 
</LEGEND>
<MULTIPLIER> 1000000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                              42
<SECURITIES>                                         0
<RECEIVABLES>                                     7344
<ALLOWANCES>                                        84
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                             827
<DEPRECIATION>                                     269
<TOTAL-ASSETS>                                    7427
<CURRENT-LIABILITIES>                                0
<BONDS>                                           3322
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           395
<OTHER-SE>                                         416
<TOTAL-LIABILITY-AND-EQUITY>                      7427
<SALES>                                              0
<TOTAL-REVENUES>                                   792
<CGS>                                                0
<TOTAL-COSTS>                                      236
<OTHER-EXPENSES>                                     2
<LOSS-PROVISION>                                    39
<INTEREST-EXPENSE>                                 367
<INCOME-PRETAX>                                    148
<INCOME-TAX>                                        54
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        94
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0