<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS
FOUND ON PAGES 3, 4 AND 5 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE OF
EACH PERIOD AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          18,836
<SECURITIES>                                    37,597
<RECEIVABLES>                                        0
<ALLOWANCES>                                     3,276
<INVENTORY>                                          0
<CURRENT-ASSETS>                               198,425
<PP&E>                                           5,603
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                                 224,330
<CURRENT-LIABILITIES>                          198,740
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,918
<OTHER-SE>                                      21,672
<TOTAL-LIABILITY-AND-EQUITY>                   224,330
<SALES>                                              0
<TOTAL-REVENUES>                                 9,704
<CGS>                                                0
<TOTAL-COSTS>                                        0
<OTHER-EXPENSES>                                 3,426
<LOSS-PROVISION>                                    40
<INTEREST-EXPENSE>                               2,945
<INCOME-PRETAX>                                  3,293
<INCOME-TAX>                                     1,260
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,033
<EPS-BASIC>                                       0.77
<EPS-DILUTED>                                     0.71