<ARTICLE>                     5

<LEGEND>  THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
          REGISTRANTS FIRST QUARTER 1995  CONSOLIDATED FINANCIAL STATEMENTS  AND 
          IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>

<MULTIPLIER>                                 1,000
<CURRENCY>                                   U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                      DEC-31-1995                              
<PERIOD-START>                         JAN-01-1995                              
<PERIOD-END>                           MAR-31-1995                                  
<EXCHANGE-RATE>                                  1                               
<CASH>                                   2,736,230      
<SECURITIES>                                     0
<RECEIVABLES>                            9,065,367      
<ALLOWANCES>                             1,561,242      
<INVENTORY>                             14,517,790       
<CURRENT-ASSETS>                        24,758,145       
<PP&E>                                   1,829,468    
<DEPRECIATION>                             432,399    
<TOTAL-ASSETS>                          30,289,879       
<CURRENT-LIABILITIES>                    3,542,454      
<BONDS>                                  7,888,332      
<COMMON>                                 8,975,718
<PREFERRED-MANDATORY>                            0      
<PREFERRED>                              1,557,258
<OTHER-SE>                                  30,000     
<TOTAL-LIABILITY-AND-EQUITY>            30,289,879      
<SALES>                                  5,132,254      
<TOTAL-REVENUES>                         6,836,797      
<CGS>                                    1,730,286      
<TOTAL-COSTS>                            5,008,585    
<OTHER-EXPENSES>                           775,909    
<LOSS-PROVISION>                           269,063    
<INTEREST-EXPENSE>                         209,570   
<INCOME-PRETAX>                            687,719    
<INCOME-TAX>                               128,823    
<INCOME-CONTINUING>                        380,735    
<DISCONTINUED>                                   0  
<EXTRAORDINARY>                                  0   
<CHANGES>                                        0    
<NET-INCOME>                               380,735
<EPS-PRIMARY>                                  .03
<EPS-DILUTED>                                  .03