<ARTICLE>                     5
<MULTIPLIER>                  1,000


                                                      
<PERIOD-TYPE>                         3-MOS                 12-MOS
<FISCAL-YEAR-END>                     DEC-31-1999           DEC-31-1998
<PERIOD-END>                          SEP-30-1999           DEC-31-1998
<CASH>                                     46,052                42,679
<SECURITIES>                              129,178               135,836
<RECEIVABLES>                             231,683               216,819
<ALLOWANCES>                                2,516                 2,224
<INVENTORY>                                     0                     0
<CURRENT-ASSETS>                            1,517                   516
<PP&E>                                      9,134                 9,170
<DEPRECIATION>                                  0                     0
<TOTAL-ASSETS>                            415,048               402,796
<CURRENT-LIABILITIES>                     375,202               364,841
<BONDS>                                         0                     0
<PREFERRED-MANDATORY>                           0                     0
<PREFERRED>                                     0                     0
<COMMON>                                    4,088                 4,085
<OTHER-SE>                                 35,758                33,870
<TOTAL-LIABILITY-AND-EQUITY>              415,048               402,796
<SALES>                                         0                     0
<TOTAL-REVENUES>                           23,233                29,075
<CGS>                                           0                     0
<TOTAL-COSTS>                                   0                     0
<OTHER-EXPENSES>                            9,445                11,761
<LOSS-PROVISION>                              294                   465
<INTEREST-EXPENSE>                          6,089                 8,438
<INCOME-PRETAX>                             7,405                 8,411
<INCOME-TAX>                                2,425                 3,092
<INCOME-CONTINUING>                         4,980                 5,319
<DISCONTINUED>                                  0                     0
<EXTRAORDINARY>                                 0                     0
<CHANGES>                                       0                     0
<NET-INCOME>                                4,980                 5,319
<EPS-BASIC>                                1.94                  2.08
<EPS-DILUTED>                                1.89                  2.01