<ARTICLE> 5 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> APR-30-2001 <PERIOD-END> JUL-31-2000 <CASH> 4,053,609 <SECURITIES> 0 <RECEIVABLES> 256,501,448 <ALLOWANCES> (47,370,454) <INVENTORY> 15,923,843 <CURRENT-ASSETS> 0 <PP&E> 33,056,128 <DEPRECIATION> (4,714,474) <TOTAL-ASSETS> 294,970,688 <CURRENT-LIABILITIES> 0 <BONDS> 199,112,422 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 80,857 <OTHER-SE> 60,718,044 <TOTAL-LIABILITY-AND-EQUITY> 294,970,688 <SALES> 66,904,528 <TOTAL-REVENUES> 82,450,929 <CGS> 38,879,279 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 18,244,118 <LOSS-PROVISION> 14,294,193 <INTEREST-EXPENSE> 5,522,555 <INCOME-PRETAX> 5,510,784 <INCOME-TAX> 2,248,436 <INCOME-CONTINUING> 2,767,142 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,767,142 <EPS-BASIC> .34 <EPS-DILUTED> .32