<ARTICLE> 5
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
REGISTRANT'S  SECOND QUARTER 2000  CONSOLIDATED  BALANCE SHEET AND  CONSOLIDATED
STATEMENT OF OPERATIONS  FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       2,807,570
<SECURITIES>                                         0
<RECEIVABLES>                               28,351,213
<ALLOWANCES>                                 3,810,482
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                       6,705,852
<DEPRECIATION>                               2,398,726
<TOTAL-ASSETS>                              56,890,615
<CURRENT-LIABILITIES>                                0
<BONDS>                                     26,264,422
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                  1,144,312
<COMMON>                                    18,148,852
<OTHER-SE>                                   6,413,461
<TOTAL-LIABILITY-AND-EQUITY>                56,890,615
<SALES>                                     12,593,560
<TOTAL-REVENUES>                            21,018,448
<CGS>                                        1,729,834
<TOTAL-COSTS>                                7,141,524
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                               516,756
<INTEREST-EXPENSE>                           1,388,363
<INCOME-PRETAX>                              1,556,826
<INCOME-TAX>                                   596,746
<INCOME-CONTINUING>                            889,658
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   889,658
<EPS-BASIC>                                       0.23
<EPS-DILUTED>                                     0.22