<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 <CASH> 43,673 43,673 <SECURITIES> 28,954 28,954 <RECEIVABLES> 166,825 166,825 <ALLOWANCES> 6,506 6,506 <INVENTORY> 0 0 <CURRENT-ASSETS> 0 0 <PP&E> 0 0 <DEPRECIATION> 0 0 <TOTAL-ASSETS> 252,594 252,594 <CURRENT-LIABILITIES> 0 0 <BONDS> 105,056 105,056 <COMMON> 68 68 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <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 <TOTAL-COSTS> 0 0 <OTHER-EXPENSES> 0 0 <LOSS-PROVISION> 360 1,170 <INTEREST-EXPENSE> 3,423 10,115 <INCOME-PRETAX> 4,499 10,774 <INCOME-TAX> 1,732 4,148 <INCOME-CONTINUING> 2,767 6,626 <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