WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 5 <MULTIPLIER> 1,000 RESTATED RESTATED <PERIOD-TYPE> 3-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996 <PERIOD-END> JUN-30-1996 JUN-30-1996 <CASH> 21,700 21,700 <SECURITIES> 17,252 17,252 <RECEIVABLES> 67,607 67,607 <ALLOWANCES> 4,123 4,123 <INVENTORY> 0 0 <CURRENT-ASSETS> 0 0 <PP&E> 0 0 <DEPRECIATION> 0 0 <TOTAL-ASSETS> 123,479 123,479 <CURRENT-LIABILITIES> 0 0 <BONDS> 47,118 47,118 <COMMON> 52 52 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> 39,748 39,748 <TOTAL-LIABILITY-AND-EQUITY> 123,479 123,479 <SALES> 0 0 <TOTAL-REVENUES> 6,261 10,976 <CGS> 0 0 <TOTAL-COSTS> 0 0 <OTHER-EXPENSES> 0 0 <LOSS-PROVISION> 529 954 <INTEREST-EXPENSE> 1,768 3,297 <INCOME-PRETAX> 2,541 3,836 <INCOME-TAX> 977 1,474 <INCOME-CONTINUING> 1,564 2,362 <DISCONTINUED> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 1,564 2,362 <EPS-PRIMARY> .29 .43 <EPS-DILUTED> .27 .42