<ARTICLE>                     5
<MULTIPLIER>                  1,000


                                                      
<PERIOD-TYPE>                         9-MOS                 12-MOS
<FISCAL-YEAR-END>                     DEC-31-1998           DEC-31-1997
<PERIOD-END>                          SEP-30-1998           DEC-31-1997
<CASH>                                     42,679                33,240
<SECURITIES>                              135,836               145,558
<RECEIVABLES>                             216,819               177,380
<ALLOWANCES>                                2,224                 1,893
<INVENTORY>                                     0                     0
<CURRENT-ASSETS>                              516                   785
<PP&E>                                      9,170                 8,595
<DEPRECIATION>                                  0                     0
<TOTAL-ASSETS>                            402,796               363,665
<CURRENT-LIABILITIES>                     364,841               330,026
<BONDS>                                         0                     0
<PREFERRED-MANDATORY>                           0                     0
<PREFERRED>                                     0                     0
<COMMON>                                    4,085                 3,892
<OTHER-SE>                                 33,870                29,747
<TOTAL-LIABILITY-AND-EQUITY>              402,796               363,665
<SALES>                                         0                     0
<TOTAL-REVENUES>                           29,075                26,138
<CGS>                                           0                     0
<TOTAL-COSTS>                                   0                     0
<OTHER-EXPENSES>                           11,761                10,726
<LOSS-PROVISION>                              465                   400
<INTEREST-EXPENSE>                          8,438                 7,698
<INCOME-PRETAX>                             8,411                 7,314
<INCOME-TAX>                                3,092                 2,822
<INCOME-CONTINUING>                         5,319                 4,492
<DISCONTINUED>                                  0                     0
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<CHANGES>                                       0                     0
<NET-INCOME>                                5,319                 4,492
<EPS-BASIC>                                2.18                  1.84
<EPS-DILUTED>                                2.11                  1.81