<ARTICLE> 5
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                       3,598,549
<SECURITIES>                                15,571,455
<RECEIVABLES>                               24,561,161
<ALLOWANCES>                                         0
<INVENTORY>                                 73,852,293
<CURRENT-ASSETS>                                     0<F1>
<PP&E>                                       2,380,571
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                             152,518,981
<CURRENT-LIABILITIES>                                0<F1>
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       144,503
<OTHER-SE>                                  56,954,552
<TOTAL-LIABILITY-AND-EQUITY>               152,518,981
<SALES>                                              0
<TOTAL-REVENUES>                            49,510,638
<CGS>                                                0
<TOTAL-COSTS>                                        0
<OTHER-EXPENSES>                            22,135,376
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                           4,610,186
<INCOME-PRETAX>                             20,385,841
<INCOME-TAX>                                 8,515,233
<INCOME-CONTINUING>                         11,870,608
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                295,943
<CHANGES>                                            0
<NET-INCOME>                                11,574,665
<EPS-PRIMARY>                                     0.97
<EPS-DILUTED>                                        0
<FN>
<F1>The Company makes use of an unclassified balance sheet style due to the nature
of its business.  Current Assets and Current Liabilities are therefore
reflected as zero in accordance with the instructions of Appendix E to the
Edgar Filer Manual.
</FN>