<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THE FOLLOWING SUMMARY FINNCIAL INFORMATION OF THE COMANY 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         478,800
<SECURITIES>                                 3,263,600
<RECEIVABLES>                               61,378,800
<ALLOWANCES>                                 2,948,200
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0<F1>
<PP&E>                                       1,397,900
<DEPRECIATION>                                 905,400
<TOTAL-ASSETS>                              70,469,700
<CURRENT-LIABILITIES>                                0<F1>
<BONDS>                                     40,035,100
                                0
                                    164,400
<COMMON>                                       550,600
<OTHER-SE>                                   7,349,100
<TOTAL-LIABILITY-AND-EQUITY>                70,469,700
<SALES>                                              0
<TOTAL-REVENUES>                             5,600,800
<CGS>                                                0
<TOTAL-COSTS>                                1,677,500
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                             1,017,700
<INTEREST-EXPENSE>                           1,754,700
<INCOME-PRETAX>                              1,150,900
<INCOME-TAX>                                   394,100
<INCOME-CONTINUING>                            756,800
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   756,800
<EPS-BASIC>                                       1.59
<EPS-DILUTED>                                     1.58
<FN>
<F1>FINANCIAL STATEMENTS OF THE COMPANY WERE PREPARED IN ACCORDANCE
WITH FINANCIAL INSTITUTION INDUSTRY STANDARDS.  ACCORDINGLY, THE
COMPANY'S BALANCE SHEETS WERE NON-CLASSIFIED.
</FN>


</TABLE>



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