<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1996
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                             272
<SECURITIES>                                         0
<RECEIVABLES>                                      983
<ALLOWANCES>                                        25
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0<F1>
<PP&E>                                             757
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                                  14,340
<CURRENT-LIABILITIES>                                0<F1>
<BONDS>                                            447
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       3,705
<TOTAL-LIABILITY-AND-EQUITY>                    14,340
<SALES>                                              0
<TOTAL-REVENUES>                                 4,938
<CGS>                                                0
<TOTAL-COSTS>                                    3,085
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                                 110
<INCOME-PRETAX>                                  1,032
<INCOME-TAX>                                       395
<INCOME-CONTINUING>                                637
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       637
<EPS-PRIMARY>                                     1.37
<EPS-DILUTED>                                     1.37
<FN>
<F1>Unclassified Balance Sheet
</FN>