<ARTICLE> 5
<MULTIPLIER> 1,000
       
                                                                          
<PERIOD-TYPE>                   3-MOS                   6-MOS                      12-MOS  
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997          DEC-31-1996
<PERIOD-END>                               JUN-30-1997             JUN-30-1997          DEC-31-1996
<CASH>                                          28,425                  28,425               24,480
<SECURITIES>                                    27,759                  27,759               18,004
<RECEIVABLES>                                  112,225                 112,225               92,256
<ALLOWANCES>                                     5,541                   5,541                4,528
<INVENTORY>                                          0                       0                    0
<CURRENT-ASSETS>                                     0                       0                    0
<PP&E>                                               0                       0                    0
<DEPRECIATION>                                       0                       0                    0
<TOTAL-ASSETS>                                 175,310                 175,310              153,800
<CURRENT-LIABILITIES>                                0                       0                    0
<BONDS>                                         66,382                  66,382               46,995
<PREFERRED-MANDATORY>                                0                       0                   54
<PREFERRED>                                          0                       0                    0
<COMMON>                                            56                      56                    0
<OTHER-SE>                                      47,547                  47,547               42,394
<TOTAL-LIABILITY-AND-EQUITY>                   175,310                 175,310              153,800
<SALES>                                              0                       0                    0
<TOTAL-REVENUES>                                 7,691                  14,098               24,183
<CGS>                                                0                       0                    0
<TOTAL-COSTS>                                        0                       0                    0
<OTHER-EXPENSES>                                     0                       0                    0
<LOSS-PROVISION>                                   300                     735                1,954
<INTEREST-EXPENSE>                               2,648                   5,042                7,197
<INCOME-PRETAX>                                  3,057                   4,919                8,574
<INCOME-TAX>                                     1,177                   1,894                3,301
<INCOME-CONTINUING>                              1,880                   3,025                5,273
<DISCONTINUED>                                       0                       0                    0
<EXTRAORDINARY>                                      0                       0                    0
<CHANGES>                                            0                       0                    0
<NET-INCOME>                                     1,880                   3,025                5,273
<EPS-PRIMARY>                                      .32                     .52                  .93
<EPS-DILUTED>                                      .32                     .52                    0