<ARTICLE> 5 <LEGEND> This schedule contains summary financial information extracted from SEC Form 10-K and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 39852 <SECURITIES> 350340 <RECEIVABLES> 34783 <ALLOWANCES> 15938 <INVENTORY> 0 <CURRENT-ASSETS> 1400702 <PP&E> 27322 <DEPRECIATION> 12527 <TOTAL-ASSETS> 1400702 <CURRENT-LIABILITIES> 1233755 <BONDS> 0 <COMMON> 29552 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITY-AND-EQUITY> 1400702 <SALES> 107017 <TOTAL-REVENUES> 115326 <CGS> 57019 <TOTAL-COSTS> 83521 <OTHER-EXPENSES> 33523 <LOSS-PROVISION> 3800 <INTEREST-EXPENSE> 49998 <INCOME-PRETAX> 28005 <INCOME-TAX> 7536 <INCOME-CONTINUING> 20469 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 20469 <EPS-PRIMARY> 1.82 <EPS-DILUTED> 1.82