<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 12/31/96
INCOME STATEMENT AND BALANCE SHEET AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          20,937
<SECURITIES>                                         0
<RECEIVABLES>                                4,978,788
<ALLOWANCES>                                    98,721
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                               5,347,002
<CURRENT-LIABILITIES>                        2,386,196
<BONDS>                                              0
<COMMON>                                        46,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     932,028
<TOTAL-LIABILITY-AND-EQUITY>                 5,347,002
<SALES>                                         26,666
<TOTAL-REVENUES>                               772,664
<CGS>                                           22,821
<TOTAL-COSTS>                                  238,503
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                66,529
<INTEREST-EXPENSE>                             201,543
<INCOME-PRETAX>                                266,089
<INCOME-TAX>                                    86,855
<INCOME-CONTINUING>                            179,234
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   179,234
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0