<ARTICLE>                            5
<MULTIPLIER>                     1,000
       
                                                 
<PERIOD-TYPE>                    3-MOS                 9-MOS
<FISCAL-YEAR-END>               DEC-31-1998          DEC-31-1998
<PERIOD-END>                    SEP-30-1998          SEP-30-1998
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<SECURITIES>                    28,954               28,954
<RECEIVABLES>                  166,825              166,825
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<TOTAL-ASSETS>                 252,594              252,594
<CURRENT-LIABILITIES>                0                    0
<BONDS>                        105,056              105,056
<COMMON>                            68                   68
<PREFERRED-MANDATORY>                0                    0
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<OTHER-SE>                      79,719               79,719
<TOTAL-LIABILITY-AND-EQUITY>   252,594              252,594
<SALES>                              0                    0
<TOTAL-REVENUES>                 10,465               28,391
<CGS>                                0                    0
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<INTEREST-EXPENSE>               3,423               10,115
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<DISCONTINUED>                       0                    0
<EXTRAORDINARY>                     (77)                 (77)
<CHANGES>                            0                    0
<NET-INCOME>                     2,690                6,549
<EPS-PRIMARY>                      .39                 1.08
<EPS-DILUTED>                      .38                 1.02