<ARTICLE> 5
<MULTIPLIER> 1,000

                                                                       
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-2000             MAR-31-2000             MAR-31-2000
<PERIOD-START>                             APR-01-1999             APR-01-1999             APR-01-1999
<PERIOD-END>                               JUN-30-1999             SEP-30-1999             DEC-31-1999
<CASH>                                           1,110                   1,538                   3,027
<SECURITIES>                                         0                       0                       0
<RECEIVABLES>                                  124,205                 127,451                 141,715
<ALLOWANCES>                                     9,039                   9,603                  10,466
<INVENTORY>                                          0                       0                       0
<CURRENT-ASSETS>                               116,276                 119,386                 134,276
<PP&E>                                           6,341                   6,794                   6,761
<DEPRECIATION>                                       0                       0                       0
<TOTAL-ASSETS>                                 140,142                 144,563                 159,360
<CURRENT-LIABILITIES>                            6,912                   5,154                   5,132
<BONDS>                                         75,482                  78,532                  90,732
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        57,748                  60,877                  63,496
<OTHER-SE>                                           0                       0                       0
<TOTAL-LIABILITY-AND-EQUITY>                   140,142                 144,563                 159,360
<SALES>                                              0                       0                       0
<TOTAL-REVENUES>                                24,327                  49,840                  76,770
<CGS>                                                0                       0                       0
<TOTAL-COSTS>                                        0                       0                       0
<OTHER-EXPENSES>                                15,301                  30,024                  45,910
<LOSS-PROVISION>                                 3,039                   7,612                  13,152
<INTEREST-EXPENSE>                               1,356                   2,819                   4,401
<INCOME-PRETAX>                                  4,631                   9,385                  13,307
<INCOME-TAX>                                     1,575                   3,200                   4,536
<INCOME-CONTINUING>                              3,056                   6,185                   8,771
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     3,056                   6,185                   8,771
<EPS-BASIC>                                       0.16                    0.33                    0.46
<EPS-DILUTED>                                     0.16                    0.32                    0.46