<ARTICLE> 5
<MULTIPLIER> 1,000
       
                                                                       
<PERIOD-TYPE>                   YEAR                   YEAR                   YEAR
<FISCAL-YEAR-END>                          JUN-30-1996             JUN-30-1997             JUN-30-1998      
<PERIOD-START>                             JUL-01-1995             JUL-01-1996             JUL-01-1997      
<PERIOD-END>                               JUN-30-1996             JUN-30-1997             JUN-30-1998      
<CASH>                                               0                   4,203                  17,364      
<SECURITIES>                                         0                       0                       0      
<RECEIVABLES>                                        0                  44,887                  60,631      
<ALLOWANCES>                                         0                   1,868                   5,090      
<INVENTORY>                                          0                       0                       0      
<CURRENT-ASSETS>                                     0                       0                       0      
<PP&E>                                               0                   1,784                   3,852      
<DEPRECIATION>                                       0                     294                     712      
<TOTAL-ASSETS>                                       0                  60,356                  95,834      
<CURRENT-LIABILITIES>                                0                       0                       0      
<BONDS>                                              0                  33,156                  38,415      
<PREFERRED-MANDATORY>                                0                   6,188                  13,542      
<PREFERRED>                                          0                       0                       0      
<COMMON>                                             0                   2,716                   2,816      
<OTHER-SE>                                           0                   (237)                     754      
<TOTAL-LIABILITY-AND-EQUITY>                         0                  60,356                  95,834      
<SALES>                                              0                       0                       0      
<TOTAL-REVENUES>                                 2,654                   9,055                  22,451      
<CGS>                                                0                       0                       0      
<TOTAL-COSTS>                                    1,550                   4,550                  11,123      
<OTHER-EXPENSES>                                     0                       0                       0      
<LOSS-PROVISION>                                   528                   2,529                   5,902      
<INTEREST-EXPENSE>                                 551                   1,541                   3,384      
<INCOME-PRETAX>                                     25                     435                   2,042      
<INCOME-TAX>                                         0                      35                   1,015      
<INCOME-CONTINUING>                                 25                     400                   1,027      
<DISCONTINUED>                                       0                       0                       0      
<EXTRAORDINARY>                                      0                       0                       0      
<CHANGES>                                            0                       0                       0      
<NET-INCOME>                                      (18)                   (129)                     419      
<EPS-PRIMARY>                                   (0.01)                  (0.05)                    0.15      
<EPS-DILUTED>                                   (0.01)                  (0.05)                    0.13