<ARTICLE> 5 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH 31, 2000 UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <EXCHANGE-RATE> 1 <CASH> 16,372 <SECURITIES> 0 <RECEIVABLES> 288,304 <ALLOWANCES> 43,455 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 16,730 <DEPRECIATION> 8,812 <TOTAL-ASSETS> 291,144 <CURRENT-LIABILITIES> 0 <BONDS> 176,585 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 134 <OTHER-SE> 81,673 <TOTAL-LIABILITY-AND-EQUITY> 291,144 <SALES> 0 <TOTAL-REVENUES> 28,641 <CGS> 0 <TOTAL-COSTS> 6,329 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 8,529 <INTEREST-EXPENSE> 3,075 <INCOME-PRETAX> 8,675 <INCOME-TAX> 3,705 <INCOME-CONTINUING> 0 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,970 <EPS-BASIC> 0.39 <EPS-DILUTED> 0.39