<ARTICLE> 5 <RESTATED> <PERIOD-TYPE> 3-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996 <PERIOD-START> APR-01-1996 JAN-01-1996 <PERIOD-END> JUN-30-1996 JUN-30-1996 <CASH> 0 0 <SECURITIES> 0 0 <RECEIVABLES> 0 0 <ALLOWANCES> 0 0 <INVENTORY> 0 0 <CURRENT-ASSETS> 0 0 <PP&E> 0 0 <DEPRECIATION> 0 0 <TOTAL-ASSETS> 0 0 <CURRENT-LIABILITIES> 0 0 <BONDS> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 0 <OTHER-SE> 0 0 <TOTAL-LIABILITY-AND-EQUITY> 0 0 <SALES> 0 0 <TOTAL-REVENUES> 53,136,553 101,392,035 <CGS> 0 0 <TOTAL-COSTS> 26,997,151 51,482,378 <OTHER-EXPENSES> 17,552,283 35,986,082 <LOSS-PROVISION> 2,595,464 4,971,399 <INTEREST-EXPENSE> 856,313 1,553,433 <INCOME-PRETAX> 5,135,342 7,398,743 <INCOME-TAX> 1,745,276 2,550,080 <INCOME-CONTINUING> 3,390,066 4,848,663 <DISCONTINUED> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 3,390,066 4,848,663 <EPS-PRIMARY> 0.13 0.19 <EPS-DILUTED> 0.13 0.19