<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION FROM 3/31/97 INCOME
STATEMENT AND BALANCE SHEET AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          34,214
<SECURITIES>                                         0
<RECEIVABLES>                                4,976,272
<ALLOWANCES>                                   102,377
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                               5,412,620
<CURRENT-LIABILITIES>                        2,403,200
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        46,000
<OTHER-SE>                                     957,766
<TOTAL-LIABILITY-AND-EQUITY>                 5,412,620
<SALES>                                              0
<TOTAL-REVENUES>                               183,394
<CGS>                                                0
<TOTAL-COSTS>                                   52,105
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                15,055
<INTEREST-EXPENSE>                              49,895
<INCOME-PRETAX>                                 66,339
<INCOME-TAX>                                    21,101
<INCOME-CONTINUING>                             45,238
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    45,238
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0