<ARTICLE>   5
<LEGEND>
ART. 5 FDS FOR 2ND QUARTER 10-Q
</LEGEND>
<MULTIPLIER>   1,000
       
                                        
<PERIOD-TYPE>                                    6-MOS
<FISCAL-YEAR-END>                          APR-30-1996
<PERIOD-END>                               OCT-31-1995
<CASH>                                          10,302
<SECURITIES>                                         0
<RECEIVABLES>                                   16,887
<ALLOWANCES>                                     1,025
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                                  29,619
<CURRENT-LIABILITIES>                                0
<BONDS>                                         26,297
<COMMON>                                         1,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                        (353)
<TOTAL-LIABILITY-AND-EQUITY>                    29,619
<SALES>                                          1,363
<TOTAL-REVENUES>                                 1,363
<CGS>                                                0
<TOTAL-COSTS>                                        0
<OTHER-EXPENSES>                                   484
<LOSS-PROVISION>                                   347
<INTEREST-EXPENSE>                                 703
<INCOME-PRETAX>                                   (171)
<INCOME-TAX>                                         0
<INCOME-CONTINUING>                               (171)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (171)
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0