<ARTICLE> 5 <MULTIPLIER> 1000 <CURRENCY> US <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> OCT-01-1996 <PERIOD-END> DEC-31-1996 <EXCHANGE-RATE> 1 <CASH> 85,163 <SECURITIES> 1,070,605 <RECEIVABLES> 2,558,997 <ALLOWANCES> 33,454 <INVENTORY> 0 <CURRENT-ASSETS> 186,504 <PP&E> 49,785 <DEPRECIATION> 0 <TOTAL-ASSETS> 3,917,600 <CURRENT-LIABILITIES> 3,095,876 <BONDS> 552,361 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 206,296 <OTHER-SE> 63,067 <TOTAL-LIABILITY-AND-EQUITY> 3,917,600 <SALES> 291,064 <TOTAL-REVENUES> 0 <CGS> 0 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 97,249 <LOSS-PROVISION> 4,000 <INTEREST-EXPENSE> 149,745 <INCOME-PRETAX> 40,070 <INCOME-TAX> 14,462 <INCOME-CONTINUING> 0 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 25,608 <EPS-PRIMARY> 2.97 <EPS-DILUTED> 2.79