<ARTICLE> 5 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 402,949 <SECURITIES> 1,554,180 <RECEIVABLES> 1,272 <ALLOWANCES> 76,887 <INVENTORY> 0 <CURRENT-ASSETS> 1,957,129 <PP&E> 312,287 <DEPRECIATION> 108,632 <TOTAL-ASSETS> 6,913,464 <CURRENT-LIABILITIES> 6,030,885 <BONDS> 0 <COMMON> 10,690 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 481,658 <TOTAL-LIABILITY-AND-EQUITY> 6,913,464 <SALES> 222,503 <TOTAL-REVENUES> 267,215 <CGS> 0 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 125,238 <LOSS-PROVISION> 1,994 <INTEREST-EXPENSE> 101,838 <INCOME-PRETAX> 38,144 <INCOME-TAX> 13,342 <INCOME-CONTINUING> 24,802 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 24,802 <EPS-PRIMARY> 2.36 <EPS-DILUTED> 2.36