<ARTICLE> 5 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 1,602,658 <SECURITIES> 0 <RECEIVABLES> 36,487,010 <ALLOWANCES> 834,359 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 0 <DEPRECIATION> 0 <TOTAL-ASSETS> 37,634,909 <CURRENT-LIABILITIES> 0 <BONDS> 0 <PREFERRED-MANDATORY> 572,942 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 37,061,967 <TOTAL-LIABILITY-AND-EQUITY> 37,634,909 <SALES> 0 <TOTAL-REVENUES> 4,426,245 <CGS> 0 <TOTAL-COSTS> 546,464 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 408,890 <INTEREST-EXPENSE> 528,611 <INCOME-PRETAX> 2,942,280 <INCOME-TAX> 0 <INCOME-CONTINUING> 2,942,280 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,942,280 <EPS-BASIC> .00 <EPS-DILUTED> .00