<ARTICLE> 5 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 <PERIOD-END> SEP-30-1997 SEP-30-1997 <CASH> 26,757 26,757 <SECURITIES> 30,076 30,076 <RECEIVABLES> 101,486 101,486 <ALLOWANCES> 5,730 5,730 <INVENTORY> 0 0 <CURRENT-ASSETS> 0 0 <PP&E> 0 0 <DEPRECIATION> 0 0 <TOTAL-ASSETS> 165,465 165,465 <CURRENT-LIABILITIES> 0 0 <BONDS> 66,382 66,382 <COMMON> 56 56 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> 50,254 50,254 <TOTAL-LIABILITY-AND-EQUITY> 165,465 165,465 <SALES> 0 0 <TOTAL-REVENUES> 8,263 22,361 <CGS> 0 0 <TOTAL-COSTS> 0 0 <OTHER-EXPENSES> 0 0 <LOSS-PROVISION> 244 979 <INTEREST-EXPENSE> 2,733 7,775 <INCOME-PRETAX> 3,514 8,433 <INCOME-TAX> 1,353 3,247 <INCOME-CONTINUING> 2,161 5,186 <DISCONTINUED> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 2,161 5,186 <EPS-PRIMARY> .36 .88 <EPS-DILUTED> .36 .87