<ARTICLE>    5
<LEGEND>
0 MEANS NOT APPLICABLE OR NOT SEPARATELY DISCLOSED.  This schedule contains
summary financial information extracted from the Company's unaudited
consolidated financial statements as of June 30, 2000 and the six months then
ended and is qualified in its entirety by reference to such consolidated
financial statements.

<MULTIPLIER> 1,000,000

                               
<PERIOD-TYPE>                     6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-2000
<CASH>                                              362
<SECURITIES>                                      3,514
<RECEIVABLES>                                    49,814
<ALLOWANCES>                                      1,407
<INVENTORY>                                           0
<CURRENT-ASSETS>                                      0
<PP&E>                                                0
<DEPRECIATION>                                        0
<TOTAL-ASSETS>                                   66,481
<CURRENT-LIABILITIES>                                 0
<BONDS>                                          55,206
<COMMON>                                            147
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<OTHER-SE>                                       10,003
<TOTAL-LIABILITY-AND-EQUITY>                     66,481
<SALES>                                           3,881
<TOTAL-REVENUES>                                  3,881
<CGS>                                                 0
<TOTAL-COSTS>                                     2,995
<OTHER-EXPENSES>                                    962
<LOSS-PROVISION>                                    478
<INTEREST-EXPENSE>                                1,555
<INCOME-PRETAX>                                     886
<INCOME-TAX>                                        312
<INCOME-CONTINUING>                                 574
<DISCONTINUED>                                        0
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        574
<EPS-BASIC>                                         0
<EPS-DILUTED>                                         0