<ARTICLE>                            5
<MULTIPLIER>                     1,000
       
                                
<PERIOD-TYPE>                    6-MOS                             
<FISCAL-YEAR-END>               DEC-31-1998          
<PERIOD-END>                    JUN-30-1998          
<CASH>                          42,040               
<SECURITIES>                    31,007               
<RECEIVABLES>                  147,693              
<ALLOWANCES>                      6,463                
<INVENTORY>                          0                
<CURRENT-ASSETS>                     0                
<PP&E>                               0                   
<DEPRECIATION>                       0                   
<TOTAL-ASSETS>                 233,681             
<CURRENT-LIABILITIES>                0             
<BONDS>                        105,056              
<COMMON>                            66                  
<PREFERRED-MANDATORY>                0                  
<PREFERRED>                          0                  
<OTHER-SE>                      73,948               
<TOTAL-LIABILITY-AND-EQUITY>   233,681             
<SALES>                              0                    
<TOTAL-REVENUES>                  9,973            
<CGS>                                0                    
<TOTAL-COSTS>                        0                    
<OTHER-EXPENSES>                     0                    
<LOSS-PROVISION>                   460                 
<INTEREST-EXPENSE>               3,695                
<INCOME-PRETAX>                  3,755                
<INCOME-TAX>                     1,446                
<INCOME-CONTINUING>              2,309                
<DISCONTINUED>                       0                    
<EXTRAORDINARY>                       0                   
<CHANGES>                            0                    
<NET-INCOME>                     2,309                
<EPS-PRIMARY>                      .40                  
<EPS-DILUTED>                      .38