<ARTICLE> 5 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 13,424 <SECURITIES> 0 <RECEIVABLES> 481,424 <ALLOWANCES> 10,533 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 3,657 <DEPRECIATION> 1,856 <TOTAL-ASSETS> 412,169 <CURRENT-LIABILITIES> 0 <BONDS> 347,079 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 47 <OTHER-SE> 42,071 <TOTAL-LIABILITY-AND-EQUITY> 412,169 <SALES> 0 <TOTAL-REVENUES> 27,597 <CGS> 0 <TOTAL-COSTS> 10,093 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 3,196 <INTEREST-EXPENSE> 12,180 <INCOME-PRETAX> 2,528 <INCOME-TAX> 1,040 <INCOME-CONTINUING> 1,488 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,488 <EPS-BASIC> .39 <EPS-DILUTED> .34