<ARTICLE> 5
<LEGEND>
Note:  This schedule contains summary financial information extracted from the
Form 10-Q for the quarter ended June 30, 1997 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<CIK> 0001029315
<NAME> PAYCO GENERAL AMERICAN CREDITS INC
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
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<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
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