<ARTICLE> 5 <MULTIPLIER> 1 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-2000 <CASH> 3,280,099 <SECURITIES> 82,746,070 <RECEIVABLES> 4,783,882 <ALLOWANCES> (195,118) <INVENTORY> 0 <CURRENT-ASSETS> 94,024,925 <PP&E> 18,196,679 <DEPRECIATION> (5,636,347) <TOTAL-ASSETS> 113,964,550 <CURRENT-LIABILITIES> 46,679,246 <BONDS> 29,598,968 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,799,402 <OTHER-SE> 34,886,934 <TOTAL-LIABILITY-AND-EQUITY> 113,964,550 <SALES> 6,151,320 <TOTAL-REVENUES> 7,664,456 <CGS> 4,684,757 <TOTAL-COSTS> 4,684,757 <OTHER-EXPENSES> 1,263,964 <LOSS-PROVISION> 0 <INTEREST-EXPENSE> 798,508 <INCOME-PRETAX> 917,227 <INCOME-TAX> 369,868 <INCOME-CONTINUING> 547,359 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 547,359 <EPS-BASIC> .20 <EPS-DILUTED> .19