<ARTICLE> 5
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
REGISTRANTS  december  31,  1998  CONSOLIDATED  BALANCE  SHEET AND  CONSOLIDATED
STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       3,196,710
<SECURITIES>                                         0
<RECEIVABLES>                               23,033,714
<ALLOWANCES>                                 3,474,318
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                       5,824,758
<DEPRECIATION>                               1,817,767
<TOTAL-ASSETS>                              51,997,258
<CURRENT-LIABILITIES>                                0
<BONDS>                                     23,001,522
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                  1,384,891
<COMMON>                                    19,818,183
<OTHER-SE>                                   4,561,246
<TOTAL-LIABILITY-AND-EQUITY>                51,997,258
<SALES>                                     22,470,215
<TOTAL-REVENUES>                            36,745,193
<CGS>                                        3,112,550
<TOTAL-COSTS>                               34,692,938
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                               663,666
<INTEREST-EXPENSE>                           2,074,139
<INCOME-PRETAX>                                104,493
<INCOME-TAX>                                    45,500
<INCOME-CONTINUING>                             62,264
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    62,624
<EPS-PRIMARY>                                      .00
<EPS-DILUTED>                                      .00