<ARTICLE> 5
<RESTATED>

                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               SEP-30-1999             SEP-30-1998
<CASH>                                      70,741,000                       0
<SECURITIES>                                         0                       0
<RECEIVABLES>                              571,196,000                       0
<ALLOWANCES>                               113,416,000                       0
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<CURRENT-ASSETS>                           664,811,000                       0
<PP&E>                                     285,821,000                       0
<DEPRECIATION>                                       0                       0
<TOTAL-ASSETS>                           2,193,110,000                       0
<CURRENT-LIABILITIES>                    1,660,835,000                       0
<BONDS>                                              0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        81,000                       0
<OTHER-SE>                                 475,960,000                       0
<TOTAL-LIABILITY-AND-EQUITY>             2,193,110,000                       0
<SALES>                                  1,072,231,000             864,768,000
<TOTAL-REVENUES>                         1,072,231,000             864,768,000
<CGS>                                                0                       0
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<OTHER-EXPENSES>                                     0                       0
<LOSS-PROVISION>                            63,187,000              24,039,000
<INTEREST-EXPENSE>                          75,999,000              50,866,000
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<INCOME-CONTINUING>                          3,408,000             (3,060,000)
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0              12,744,000
<CHANGES>                                            0               6,896,000
<NET-INCOME>                                 3,408,000            (22,700,000)
<EPS-BASIC>                                       0.04                  (0.28)
<EPS-DILUTED>                                     0.04                  (0.28)