PAGE <ARTICLE> 5 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> FEB-29-1996 <PERIOD-START> MAR-01-1996 <PERIOD-END> AUG-31-1996 <CASH> 3,437,326 <SECURITIES> 0 <RECEIVABLES> 33,085,195 <ALLOWANCES> 1,141,778 <INVENTORY> 0 <CURRENT-ASSETS> 48,213,337 <PP&E> 7,379,400 <DEPRECIATION> 3,577,689 <TOTAL-ASSETS> 88,500,420 <CURRENT-LIABILITIES> 22,808,045 <BONDS> 22,229,413 <COMMON> 77,872 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 42,850,741 <TOTAL-LIABILITY-AND-EQUITY> 88,500,420 <SALES> 0 <TOTAL-REVENUES> 50,568,011 <CGS> 0 <TOTAL-COSTS> 30,756,185 <OTHER-EXPENSES> 12,642,630 <LOSS-PROVISION> 341,301 <INTEREST-EXPENSE> 570,099 <INCOME-PRETAX> 6,257,796 <INCOME-TAX> 2,438,000 <INCOME-CONTINUING> 3,819,796 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,819,796 <EPS-PRIMARY> .45 <EPS-DILUTED> .44