<ARTICLE> 5
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
REGISTRANTS  SECOND  QUARTER 1999  CONSOLIDATED  BALANCE SHEET AND  CONSOLIDATED
STATEMENT OF OPERATIONS  FOR THE SIX MONTHS ENDED JUNE 30, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       1,560,328
<SECURITIES>                                         0
<RECEIVABLES>                               25,625,291
<ALLOWANCES>                                 3,735,540
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                       6,698,505
<DEPRECIATION>                               2,065,122
<TOTAL-ASSETS>                              54,272,785
<CURRENT-LIABILITIES>                        3,261,551
<BONDS>                                     25,012,977
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                  1,179,299
<COMMON>                                    20,097,623
<OTHER-SE>                                   4,697,149
<TOTAL-LIABILITY-AND-EQUITY>                54,272,785
<SALES>                                     11,320,079
<TOTAL-REVENUES>                            19,189,534
<CGS>                                        1,614,585
<TOTAL-COSTS>                                7,472,882
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                               327,299
<INTEREST-EXPENSE>                           1,370,375
<INCOME-PRETAX>                                677,798
<INCOME-TAX>                                   268,000
<INCOME-CONTINUING>                            397,554
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   397,554
<EPS-BASIC>                                       0.09
<EPS-DILUTED>                                     0.09