<ARTICLE> 5
<LEGEND>
This Schedule contains summary financial information extracted from (a) the
Balance Sheet and Statement of Operations filed as part of the Quarterly Report
on Form 10-Q and is qualified in its entirety by reference to such (b) Report on
Form 10-Q.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          OCT-31-1998
<PERIOD-START>                             NOV-01-1997
<PERIOD-END>                               JUL-31-1998
<CASH>                                       3,902,764
<SECURITIES>                                         0
<RECEIVABLES>                               19,772,696
<ALLOWANCES>                                13,870,519
<INVENTORY>                                    660,977
<CURRENT-ASSETS>                            29,209,090
<PP&E>                                       4,692,332
<DEPRECIATION>                               2,227,424
<TOTAL-ASSETS>                              41,626,632
<CURRENT-LIABILITIES>                       20,782,139
<BONDS>                                     19,041,437
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     60,428
<COMMON>                                        72,129
<OTHER-SE>                                  22,995,633
<TOTAL-LIABILITY-AND-EQUITY>                41,626,632
<SALES>                                     33,383,740
<TOTAL-REVENUES>                            33,383,740
<CGS>                                       17,716,708
<TOTAL-COSTS>                               32,516,747
<OTHER-EXPENSES>                               214,652
<LOSS-PROVISION>                             4,347,844
<INTEREST-EXPENSE>                             883,549
<INCOME-PRETAX>                                260,063
<INCOME-TAX>                                    45,411
<INCOME-CONTINUING>                            214,652
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   214,652
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0