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<TABLE> <S> <C>
<ARTICLE> 5
<MULTIPLIER> 1,000,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 819
<SECURITIES> 0
<RECEIVABLES> 34,112
<ALLOWANCES> 468
<INVENTORY> 0
<CURRENT-ASSETS> 0
<PP&E> 0
<DEPRECIATION> 0
<TOTAL-ASSETS> 48,327
<CURRENT-LIABILITIES> 0
<BONDS> 28,508
250
0
<COMMON> 3
<OTHER-SE> 5,859
<TOTAL-LIABILITY-AND-EQUITY> 48,327
<SALES> 0
<TOTAL-REVENUES> 1,551
<CGS> 0
<TOTAL-COSTS> 273
<OTHER-EXPENSES> 318
<LOSS-PROVISION> 66
<INTEREST-EXPENSE> 643
<INCOME-PRETAX> 251
<INCOME-TAX> 95
<INCOME-CONTINUING> 156
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 156
<EPS-BASIC> 0.60
<EPS-DILUTED> 0.60
</TABLE>
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