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