<TABLE> <S> <C>


<ARTICLE>                     5
<LEGEND>
THE FOLLOWING SUMMARY FINANCIAL INFORMATION OF THE COMPANY AND ITS SUBSIDIARIES
IS QUALIFIED IN ITS ENTIRETY BY THE DETAILED INFORMATION AND FINANCIAL
STATEMENTS PREVIOUSLY FILED WITH THE SECURITIES & EXCHANGE COMMISSION.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>

<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         403,100
<SECURITIES>                                   3,275,100
<RECEIVABLES>                                  64,586,400
<ALLOWANCES>                                   2,986,000
<INVENTORY>                                    0
<CURRENT-ASSETS>                               0<F1>
<PP&E>                                         1,341,300
<DEPRECIATION>                                 837,600
<TOTAL-ASSETS>                                 73,728,600
<CURRENT-LIABILITIES>                          0<F1>
<BONDS>                                        41,390,300
                          0
                                    164,400
<COMMON>                                       550,800
<OTHER-SE>                                     7,674,600
<TOTAL-LIABILITY-AND-EQUITY>                   73,728,600
<SALES>                                        0
<TOTAL-REVENUES>                               8,688,000
<CGS>                                          0
<TOTAL-COSTS>                                  2,492,300
<OTHER-EXPENSES>                               0
<LOSS-PROVISION>                               1,542,100
<INTEREST-EXPENSE>                             2,811,900
<INCOME-PRETAX>                                1,841,700
<INCOME-TAX>                                   633,700
<INCOME-CONTINUING>                            1,208,000
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,208,000
<EPS-BASIC>                                    2.54
<EPS-DILUTED>                                  2.52


<FN>
<F1>
FINANCIAL STATEMENTS OF THE COMPANY WERE PREPARED IN ACCORDANCE WITH
FINANCIAL INSTITITUION INDUSTRY STANDARDS.  ACCORDINGLY, THE COMPANY'S BALANCE
SHEETS WERE NON-CLASSIFIED.
</FN>

</TABLE>



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