<ARTICLE>                            5
<MULTIPLIER>                     1,000

                                               
<PERIOD-TYPE>                     3-MOS               6-MOS
<FISCAL-YEAR-END>               DEC-31-1998          DEC-31-1998
<PERIOD-END>                    JUN-30-1999          JUN-30-1999
<CASH>                          49,581               49,581
<SECURITIES>                    32,603               32,603
<RECEIVABLES>                  233,295              233,295
<ALLOWANCES>                     7,545                7,545
<INVENTORY>                          0                    0
<CURRENT-ASSETS>                     0                    0
<PP&E>                               0                    0
<DEPRECIATION>                       0                    0
<TOTAL-ASSETS>                 340,589              340,589
<CURRENT-LIABILITIES>                0                    0
<BONDS>                        133,897              133,897
<COMMON>                            70                   70
<PREFERRED-MANDATORY>                0                    0
<PREFERRED>                     26,200               26,200
<OTHER-SE>                      91,218               91,218
<TOTAL-LIABILITY-AND-EQUITY>   340,589              340,589
<SALES>                              0                    0
<TOTAL-REVENUES>                13,272               24,347
<CGS>                                0                    0
<TOTAL-COSTS>                        0                    0
<OTHER-EXPENSES>                     0                    0
<LOSS-PROVISION>                   500                1,000
<INTEREST-EXPENSE>               4,724                9,352
<INCOME-PRETAX>                  5,549                9,252
<INCOME-TAX>                     2,137                3,562
<INCOME-CONTINUING>              3,207                5,485
<DISCONTINUED>                       0                    0
<EXTRAORDINARY>                      0                    0
<CHANGES>                            0                    0
<NET-INCOME>                     3,207                5,485
<EPS-BASIC>                      .46                  .80
<EPS-DILUTED>                      .45                  .76