<ARTICLE> 5 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> MAY-31-2000 <PERIOD-START> JUN-01-1999 <PERIOD-END> MAY-31-2000 <CASH> 1,423,248 <SECURITIES> 0 <RECEIVABLES> 30,736,076 <ALLOWANCES> 3,059,867 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 12,279,639 <DEPRECIATION> 7,489,579 <TOTAL-ASSETS> 64,338,192 <CURRENT-LIABILITIES> 0 <BONDS> 19,139,028 <PREFERRED-MANDATORY> 0 <PREFERRED> 27,000,000 <COMMON> 34,762 <OTHER-SE> (12,660,294) <TOTAL-LIABILITY-AND-EQUITY> 64,388,192 <SALES> 0 <TOTAL-REVENUES> 46,386,627 <CGS> 0 <TOTAL-COSTS> 33,693,883 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 5,680,975 <INTEREST-EXPENSE> 4,981,949 <INCOME-PRETAX> 2,029,820 <INCOME-TAX> 1,042,375 <INCOME-CONTINUING> 3,072,195 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,072,195 <EPS-BASIC> 0.03 <EPS-DILUTED> 0.03