<ARTICLE>                     5
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
(A) THE BALANCE SHEET AND STATEMENT OF OPERATIONS FILED AS PART OF THE QUARTERLY
REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
(B) REPORT ON FORM 10-Q.
</LEGEND>

       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              OCT-31-1997
<PERIOD-START>                                 NOV-01-1996
<PERIOD-END>                                   JUL-31-1997
<CASH>                                         2,070,498
<SECURITIES>                                   0
<RECEIVABLES>                                  13,952,434
<ALLOWANCES>                                   7,882,140
<INVENTORY>                                    501,726
<CURRENT-ASSETS>                               20,546,616
<PP&E>                                         2,981,559
<DEPRECIATION>                                 1,573,117
<TOTAL-ASSETS>                                 29,779,103
<CURRENT-LIABILITIES>                          15,599,435
<BONDS>                                        13,088,776
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       71,153
<OTHER-SE>                                     22,845,046
<TOTAL-LIABILITY-AND-EQUITY>                   29,779,103
<SALES>                                        29,064,409
<TOTAL-REVENUES>                               29,064,409
<CGS>                                          14,448,216
<TOTAL-COSTS>                                  27,489,457
<OTHER-EXPENSES>                               890,366
<LOSS-PROVISION>                               3,986,739
<INTEREST-EXPENSE>                             834,145
<INCOME-PRETAX>                                942,998
<INCOME-TAX>                                   52,632
<INCOME-CONTINUING>                            890,366
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   890,366
<EPS-PRIMARY>                                  0
<EPS-DILUTED>                                  0