<ARTICLE> 5 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> APR-30-1999 <PERIOD-END> OCT-31-1999 <CASH> 11,541,662 <SECURITIES> 0 <RECEIVABLES> 138,381,740 <ALLOWANCES> (20,429,523) <INVENTORY> 7,229,010 <CURRENT-ASSETS> 0 <PP&E> 29,653,078 <DEPRECIATION> (2,946,230) <TOTAL-ASSETS> 177,600,259 <CURRENT-LIABILITIES> 0 <BONDS> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 92,292 <OTHER-SE> 58,901,571 <TOTAL-LIABILITY-AND-EQUITY> 177,600,259 <SALES> 78,334,693 <TOTAL-REVENUES> 94,085,917 <CGS> 46,704,729 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 24,741,414 <LOSS-PROVISION> 12,718,662 <INTEREST-EXPENSE> 5,075,133 <INCOME-PRETAX> 16,026,654 <INCOME-TAX> 6,010,138 <INCOME-CONTINUING> 10,184,885 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,184,885 <EPS-BASIC> 1.03 <EPS-DILUTED> .99