<ARTICLE> 5 <LEGEND> The schedule contains summary financial information extracted from the consolidated balance sheets and consolidated statements of income and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 565,713 <SECURITIES> 0 <RECEIVABLES> 232,994 <ALLOWANCES> 0 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 0 <DEPRECIATION> 0 <TOTAL-ASSETS> 798,707 <CURRENT-LIABILITIES> 0 <BONDS> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 0 <TOTAL-LIABILITY-AND-EQUITY> 798,707 <SALES> 818,235 <TOTAL-REVENUES> 1,512,345 <CGS> 0 <TOTAL-COSTS> 1,723,960 <OTHER-EXPENSES> 130,101 <LOSS-PROVISION> 836,085 <INTEREST-EXPENSE> 40,782 <INCOME-PRETAX> (211,615) <INCOME-TAX> 0 <INCOME-CONTINUING> (211,615) <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (211,615) <EPS-PRIMARY> (2.18) <EPS-DILUTED> (2.18)