<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH
31, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           7,381
<SECURITIES>                                         0
<RECEIVABLES>                                  192,457<F1>
<ALLOWANCES>                                    27,475
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                          10,017
<DEPRECIATION>                                   5,562
<TOTAL-ASSETS>                                 183,198
<CURRENT-LIABILITIES>                                0
<BONDS>                                        142,182
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      21,539
<TOTAL-LIABILITY-AND-EQUITY>                   183,188
<SALES>                                              0
<TOTAL-REVENUES>                                18,089
<CGS>                                                0
<TOTAL-COSTS>                                    5,458
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                 4,575
<INTEREST-EXPENSE>                               2,820
<INCOME-PRETAX>                                  5,236
<INCOME-TAX>                                     2,125
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,111
<EPS-PRIMARY>                                      .63
<EPS-DILUTED>                                      .63
<FN>
<F1>NET INVESTMENT IN FINANCING LEASES AND LOANS, EXCLUDING ALLOWANCE FOR CREDIT
LOSSES.
</FN>