<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>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           1,185
<SECURITIES>                                         0
<RECEIVABLES>                                   25,688
<ALLOWANCES>                                       831
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                             847
<DEPRECIATION>                                     466
<TOTAL-ASSETS>                                  42,260
<CURRENT-LIABILITIES>                                0
<BONDS>                                          7,690
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             3
<OTHER-SE>                                       5,457
<TOTAL-LIABILITY-AND-EQUITY>                    42,260
<SALES>                                              0
<TOTAL-REVENUES>                                 2,444
<CGS>                                                0
<TOTAL-COSTS>                                    1,196
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                   378
<INTEREST-EXPENSE>                                 415
<INCOME-PRETAX>                                    455
<INCOME-TAX>                                       178
<INCOME-CONTINUING>                                276
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       276
<EPS-PRIMARY>                                     0.81
<EPS-DILUTED>                                     0.81