<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                              10
<SECURITIES>                                         0
<RECEIVABLES>                                    4,136
<ALLOWANCES>                                     1,341
<INVENTORY>                                        432
<CURRENT-ASSETS>                                 4,084
<PP&E>                                          15,521
<DEPRECIATION>                                   5,198
<TOTAL-ASSETS>                                  20,657
<CURRENT-LIABILITIES>                            2,673
<BONDS>                                          6,859
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                       8,208
<TOTAL-LIABILITY-AND-EQUITY>                    20,657
<SALES>                                              0
<TOTAL-REVENUES>                                14,771
<CGS>                                                0
<TOTAL-COSTS>                                    7,893
<OTHER-EXPENSES>                                 2,978
<LOSS-PROVISION>                                   875
<INTEREST-EXPENSE>                                 379
<INCOME-PRETAX>                                  1,822
<INCOME-TAX>                                       731
<INCOME-CONTINUING>                              1,091
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,091
<EPS-PRIMARY>                                     1.61
<EPS-DILUTED>                                     1.61