<ARTICLE>                5

<LEGEND>       THE SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED
               FROM THE  REGISTRANTS  SECOND QUARTER 1995  CONSOLIDATED  BALANCE
               SHEET AND CONSOLIDATED STATEMENT OF OPERATIONS FOR THE SIX MONTHS
               ENDED JUNE 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
               TO SUCH FINANCIAL STATEMENTS
</LEGEND>

<MULTIPLIER>                                          1,000
<CURRENCY>                                     U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                             DEC-31-1995
<PERIOD-START>                                JAN-01-1995
<PERIOD-END>                                  JUN-30-1995
<EXCHANGE-RATE>                                         1
<CASH>                                          2,616,368
<SECURITIES>                                            0
<RECEIVABLES>                                  11,174,874
<ALLOWANCES>                                    2,479,806
<INVENTORY>                                    18,511,491
<CURRENT-ASSETS>                               29,822,927
<PP&E>                                          1,869,388
<DEPRECIATION>                                    500,129
<TOTAL-ASSETS>                                 35,148,901
<CURRENT-LIABILITIES>                           3,788,394
<BONDS>                                        12,188,174
<COMMON>                                        9,222,394
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                     1,525,152
<OTHER-SE>                                         30,000
<TOTAL-LIABILITY-AND-EQUITY>                   35,148,901
<SALES>                                        10,896,142
<TOTAL-REVENUES>                               14,933,267
<CGS>                                           3,974,729
<TOTAL-COSTS>                                  10,830,305
<OTHER-EXPENSES>                                1,559,173
<LOSS-PROVISION>                                  603,319
<INTEREST-EXPENSE>                                456,239
<INCOME-PRETAX>                                 1,769,180
<INCOME-TAX>                                      419,019
<INCOME-CONTINUING>                             1,003,527
<DISCONTINUED>                                          0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                    1,003,527
<EPS-PRIMARY>                                         .08
<EPS-DILUTED>                                         .08