<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)