<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED> 
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                             998
<SECURITIES>                                         0
<RECEIVABLES>                                   26,204
<ALLOWANCES>                                       687
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                             780
<DEPRECIATION>                                     415
<TOTAL-ASSETS>                                  36,062
<CURRENT-LIABILITIES>                                0
<BONDS>                                          7,888
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             2
<OTHER-SE>                                       4,953
<TOTAL-LIABILITY-AND-EQUITY>                    36,062
<SALES>                                              0
<TOTAL-REVENUES>                                 4,362
<CGS>                                                0
<TOTAL-COSTS>                                    2,301
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                   502
<INTEREST-EXPENSE>                                 770
<INCOME-PRETAX>                                    789
<INCOME-TAX>                                       304
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       485
<EPS-PRIMARY>                                     2.80
<EPS-DILUTED>                                     2.79