<ARTICLE>                     5
<MULTIPLIER>                  1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                           1,888
<SECURITIES>                                         0
<RECEIVABLES>                                   44,029
<ALLOWANCES>                                     6,376
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                                  43,660
<CURRENT-LIABILITIES>                                0
<BONDS>                                         35,135
<PREFERRED-MANDATORY>                              166
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       6,943
<TOTAL-LIABILITY-AND-EQUITY>                    43,660
<SALES>                                              0
<TOTAL-REVENUES>                                 2,780
<CGS>                                                0
<TOTAL-COSTS>                                    1,060
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                               1,827
<INCOME-PRETAX>                                   (107)
<INCOME-TAX>                                         0
<INCOME-CONTINUING>                               (107)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                    149
<CHANGES>                                            0
<NET-INCOME>                                        42
<EPS-BASIC>                                       (.00)
<EPS-DILUTED>                                     (.00)