<ARTICLE> 5
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                             469
<SECURITIES>                                         0
<RECEIVABLES>                                      855
<ALLOWANCES>                                         0
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0<F1>
<PP&E>                                             753
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                                  16,220
<CURRENT-LIABILITIES>                                0<F1>
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       3,755
<TOTAL-LIABILITY-AND-EQUITY>                    16,220
<SALES>                                              0
<TOTAL-REVENUES>                                 1,270
<CGS>                                                0
<TOTAL-COSTS>                                    1,068
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                                  24
<INCOME-PRETAX>                                    202
<INCOME-TAX>                                        61
<INCOME-CONTINUING>                                141
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       141
<EPS-PRIMARY>                                     0.32
<EPS-DILUTED>                                     0.32
<FN>
<F1>unclassified balance sheet
</FN>