<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 9/30/96
INCOME STATEMENT AND BALANCE SHEET AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          21,790
<SECURITIES>                                         0
<RECEIVABLES>                                4,762,601
<ALLOWANCES>                                    95,282
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                               5,198,072
<CURRENT-LIABILITIES>                        2,289,474
<BONDS>                                              0
<COMMON>                                        46,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     901,313
<TOTAL-LIABILITY-AND-EQUITY>                 5,198,072
<SALES>                                            421
<TOTAL-REVENUES>                               548,742
<CGS>                                              283
<TOTAL-COSTS>                                  156,037
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                48,117
<INTEREST-EXPENSE>                             149,663
<INCOME-PRETAX>                                194,925
<INCOME-TAX>                                    64,206
<INCOME-CONTINUING>                            130,719
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   130,719
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0