<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