WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE>                                  5
<MULTIPLIER>                           1,000
       
                                      
<PERIOD-TYPE>                          3 MOS
<FISCAL-YEAR-END>                     DEC-31-1999
<PERIOD-END>                          MAR-31-1999
<CASH>                                13,358
<SECURITIES>                          28,118
<RECEIVABLES>                        225,456
<ALLOWANCES>                           7,133
<INVENTORY>                                0
<CURRENT-ASSETS>                           0
<PP&E>                                     0
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<CURRENT-LIABILITIES>                      0
<BONDS>                              134,588
<COMMON>                                  69
<PREFERRED-MANDATORY>                      0
<PREFERRED>                                0
<OTHER-SE>                            86,005
<TOTAL-LIABILITY-AND-EQUITY>         313,355
<SALES>                                    0
<TOTAL-REVENUES>                       11,075
<CGS>                                      0
<TOTAL-COSTS>                              0
<OTHER-EXPENSES>                           0
<LOSS-PROVISION>                         500
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<DISCONTINUED>                             0
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<CHANGES>                                  0
<NET-INCOME>                           2,278
<EPS-PRIMARY>                            .33
<EPS-DILUTED>                            .32