<ARTICLE> 5 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1994 <PERIOD-END> MAR-31-1995 MAR-31-1994 <CASH> 13,866,000 14,609,000 <SECURITIES> 11,514,000 10,775,000 <RECEIVABLES> 65,469,000 64,884,000 <ALLOWANCES> 1,447,000 1,401,000 <INVENTORY> 0 0 <CURRENT-ASSETS> 1,492,000 2,540,000 <PP&E> 2,727,000 3,093,000 <DEPRECIATION> 2,367,000 2,621,000 <TOTAL-ASSETS> 91,254,000 91,879,000 <CURRENT-LIABILITIES> 79,861,000 81,170,000 <BONDS> 0 0 <COMMON> 11,393,000 10,709,000 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> 0 0 <TOTAL-LIABILITY-AND-EQUITY> 91,254,000 91,879,000 <SALES> 0 0 <TOTAL-REVENUES> 2,141,000 1,852,000 <CGS> 0 0 <TOTAL-COSTS> 0 0 <OTHER-EXPENSES> 1,318,000 1,338,000 <LOSS-PROVISION> 100,000 240,000 <INTEREST-EXPENSE> 577,000 415,000 <INCOME-PRETAX> 146,000 (141,000) <INCOME-TAX> 66,000 (60,000) <INCOME-CONTINUING> 80,000 (81,000) <DISCONTINUED> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 80,000 (81,000) <EPS-PRIMARY> 0.09 (0.09) <EPS-DILUTED> 0.07 (0.07)