<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