<ARTICLE> 5
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
REGISTRANTS  THIRD  QUARTER 1998  CONSOLIDATED  BALANCE  SHEET AND  CONSOLIDATED
STATEMENT  OF  OPERATIONS  FOR THE NINE MONTHS ENDED  SEPTEMBER  30, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,650,200
<SECURITIES>                                         0
<RECEIVABLES>                               22,278,258
<ALLOWANCES>                                 3,367,967
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                       5,973,125
<DEPRECIATION>                               1,721,302
<TOTAL-ASSETS>                              49,195,580
<CURRENT-LIABILITIES>                                0
<BONDS>                                     19,129,251
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                  1,384,891
<COMMON>                                    19,819,477
<OTHER-SE>                                   5,256,965
<TOTAL-LIABILITY-AND-EQUITY>                49,195,580
<SALES>                                     16,881,611
<TOTAL-REVENUES>                            27,555,357
<CGS>                                        2,347,826
<TOTAL-COSTS>                               24,946,493
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                               498,768
<INTEREST-EXPENSE>                           1,422,244
<INCOME-PRETAX>                              1,208,595
<INCOME-TAX>                                   484,000
<INCOME-CONTINUING>                            724,595
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   724,595
<EPS-PRIMARY>                                     0.18
<EPS-DILUTED>                                     0.18