WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE> 5
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JAN-01-1999             JAN-01-1999
<PERIOD-END>                               MAR-31-1999             MAR-31-1999
<CASH>                                      25,115,934              25,115,934
<SECURITIES>                                         0                       0
<RECEIVABLES>                              475,949,603             475,949,603
<ALLOWANCES>                                 7,097,710               7,097,710
<INVENTORY>                                          0                       0
<CURRENT-ASSETS>                                     0                       0
<PP&E>                                       2,609,000               2,609,000
<DEPRECIATION>                                 498,103                 498,103
<TOTAL-ASSETS>                             534,676,055             534,676,055
<CURRENT-LIABILITIES>                      280,766,759             280,766,759
<BONDS>                                              0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       134,211                 134,211
<OTHER-SE>                                 253,775,085             253,775,085
<TOTAL-LIABILITY-AND-EQUITY>               534,676,055             534,676,055
<SALES>                                     17,275,634              17,275,634
<TOTAL-REVENUES>                            19,275,189              19,275,189
<CGS>                                                0                       0
<TOTAL-COSTS>                                        0                       0
<OTHER-EXPENSES>                             3,889,845               3,889,845
<LOSS-PROVISION>                               862,150                 862,150
<INTEREST-EXPENSE>                           4,370,059               4,370,057
<INCOME-PRETAX>                             10,153,135              10,153,135
<INCOME-TAX>                                 4,013,081               4,013,081
<INCOME-CONTINUING>                                  0                       0
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 6,140,054               6,140,054
<EPS-PRIMARY>                                      .46                     .46
<EPS-DILUTED>                                      .45                     .45